23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with the Arizona Department of Housing, under their Arizona Homeowners Assistance Program. They are ready to send funds to LoanDepot, my mortgage holder to cover any unpaid mortgage payments. They have sent LoanDepot several transmitted paperwork for them to complete. They call it " onboarding paperwork ''. Arizona Housing has not received any replys form LoanDepot. This has been holding everything up. The last time they sent the paperwork to LoanDepot was the middle of XX/XX/XXXX and still no response. My account under the Arizona Homeowners Assistance program is XXXX. My LoanDepot mortgage account number is XXXX. This has been going on since XX/XX/XXXX. Arizona Department of Housing said that they are going to cover over {$16000.00} of my past due mortgage but are hitting this roadblock with LoanDepot. When I call LoanDepot about this, they do not give me anybody or department I can talk to about this paperwork. I feel I am hitting a brick wall in trying to resolve my mortgage concerns, and trying to get back to normal with my mortgage payment program with LoanDelot.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX inaccurately deposited {$3000.00} in my youth spending account that was in negative. XXXX XXXX has stated that the bank needs to reverse the charge. On XX/XX/XXXX, I contacted USAA requesting they reverse the deposit due to this error. USAA claims they can not reverse because the credit covered my negative balance. Although, this should be irrelevant. USAA should not knowingly keep a deposit made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY XXXX XXXX XXXX TO EXPERIAN FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER XXXX YRS NOW. XXXX KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. XXXX HAS JUST FLAGGED MY ACCOUNT WITH EXPERIAN THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? XXXX HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE XXXX OLD CHARGES RE-APPEARING AS NEW
Product: Checking or savings account

I successfully passed all the direct deposit requirements necessary to receive the {$300.00} checking bonus, but the FTFCU agent responding to my message query on XX/XX/XXXX interpreted in error that I didn't pass the requirements when I'm certain I did. 

The following summarizes the history of deposit transactions into the checking account : XX/XX/XXXX _ Opened the account with {$15.00} via bank transfer ; i.e. not a direct deposit as the offer defines it. 
XX/XX/XXXX _ First direct deposit of {$1500.00} that initiates the defined start of " Enrollment '' where the defined end of " Enrollment Period '' is XXXX calendar days from the start ; i.e. XX/XX/XXXX. 
XX/XX/XXXX _ Second direct deposit of {$1300.00} being within XXXX month of the first direct deposit. 
XX/XX/XXXX _ Third direct deposit of {$1500.00} being within XXXX month of the second direct deposit. This transaction then satisfies the offer condition that " a minimum of XXXX direct deposit transactions must be received during the Enrollment Period. '' Each direct deposit also passes the requirement of being at least {$1000.00} each. 

It might be that the checking bonus deposit won't occur until someday between XX/XX/XXXX and XX/XX/XXXX. However, the response of the FTFCU agent is more concerning as he/she thinks in error I'm not getting the offer bonus at all. Since I have successfully passed all the requirements now, I see no reason to delay simply giving me the {$300.00} bonus now.

For some reason the FTFCU agent thinks in error that the " cut off for the first direct deposit was XX/XX/XXXX '' which is the same day the account was opened. The offer does not state that the opening deposit of the checking account is the start of the enrollment period. Even so, again my opening deposit was not a direct deposit. Again, the offer states the enrollment period starts with the first direct deposit received.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and equifax everytime the dispute results come back verified. Either company investigated my dispute for XXXX auto Finance or acceptance now. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for XXXX and XXXX XXXX about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX auto financial and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions
Product: Debt collection

There is not proper information on my credit report. I have sent the ID theft information several times with no removal. I have enclosed the proper information from removal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse it
em of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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

The Credit Bureaus are reporting erroneous information on my credit report
Product: Checking or savings account

I opened an on line savings account with Juno online bank, which they advertised as FDIC insured. The account had approximately {$5700.00} in it and still shows this amount on line. 

In XXXX or XX/XX/year> Juno stopped allowing any transactions and posted a message in line that I would have to try to resolve my issue with XXXXXXXX XXXX through a reconciliation process. 


I have followed up with XXXX and they have declined to send me my money, instead offering a settlement of {$14.00} as they say the funds were withdrawn by XXXX and they can not reconcile the on line balance from my Juno account with their records.
Product: Money transfer, virtual currency, or money service

I have had access to CoinBase without any issues for about two months now. I have accessed my account through two devices and after updating my password and attempting to log in on a different device, I was unable to access the account. The suggested solution was to contact customer service to send them my picture ID and proof that I live at the address on file, all of which I can do but I have not had a response from them in a week and I do need access to my account. Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove or correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

lam 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 redressfor these violations.
Product: Bank account or service

Hello, I recently contacted and reported a privacy concern regarding USAA Your submission, [ Case number : XXXX ]. I have since experienced retaliation were they have now closed all of my banking and credit card accounts without reason without proper notification or reason other than a generic notice dated XXXX XXXX that they have decided to no longer do business with us per the customer service department. We have a been customer with USAA for years and they have always assisted us even in our most extreme difficult time and now when I submit a complaint and bring attention to their customer service practices our account abruptly gets closed and stating checks are being sent out from closure of our account and this has severely inconvenienced my family and my husband who is overseas to fight for our country. I have never experienced such infidel behavior and this is unacceptable. I seek to have all of our accounts reestablished and reopen all banking checking and savings and credit card accounts without lapse or gaps of any history affecting our credit. I also want the inquiry removed that was ran beyond my knowledge and my authority. When I called and spoke with their credit card customer service department on XXXX XXXX to report fraudulent charges from XXXX XXXX on my credit card and requested a new card under the same established account and not closure of my accounts. I received my credit card express delivery Saturday faster than expected from XXXX days shipping. Upon my return Sunday I found my card and called to have it activated was advised by credit card customer service I could not and only my account for the credit card was closed and my husbands was open and a supervisor advised they did not know why. They advised i needed to call back on Monday for the reason why. I advised them I have already exhausted a lot of time and requested a call back and verified and provided the new correct number with the supervisor and she advised that I would receive my call back from XXXX - XXXX tomorrow, Monday XXXX. 

Of course Monday morning no call as advised from the supervisor. I called them back after XXXX and was disconnected and transferred to the incorrect departments multiple times to finally get an agent out of the correct department and state they show no reason why as well and was going to have the Manager call me back within 24hrs regarding my account. 

Please help for I am without any money or funds to feed my family. 

No Military Spouse or Family should have to suffer as a result of unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been frequently working on my credit report only to still have numerous issues with the reporting bureaus not correctly identifying the incorrect information. They are claiming it to be Verified however nothing has changed other that the " Date of last Reported ''? 

Let me start with the concern that Experian has violated my rights as a consumer over and over again because I had a report pulled in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In XXXX I did not have a XXXX XXXX XXXX on my report and I CAN PROVE THAT in court IF NEED BE which is where we will be going soon if they can not correct my issue. They recklessly added it to my report in XXXX which seems to be the end or beginning of XXXX. I will be attaching the proof below. I disputed it consecutively with no new updates, no proof of investigation, and no method of verification which is a violation to my consumer rights. Then as they reported it all three bureaus had incorrect information. XXXX updated the information and did remove the unverified information however Experian and XXXX did not and they did not send proof of the method they used to verify this or the proof they went through an independent investigation just as XXXX Vs XXXX XXXX I am able to ask for this proof and if it is not supplied within 15 days of being verified then it is to be in violation which is what this account is. Experian has failed to do its job once again. Experian is showing XXXX XXXX XXXX with a matching balance and high credit limit which can not be accurate, the open dates are incorrect on this account. 

XXXX has renewed the debt which shows it has been re-aged on top of not providing the proof of investigation and I want an independent investigation, not a letter showing me the basic steps they went by as they do for every other consumer. I do not want it explained by the E-Oscar system but by them doing their job. 

These XXXX bureaus have also failed to remove the XXXX XXXX Account which is also in violation for months. I disputed this account in XXXX and Experian is still showing the date of last reported as XXXX which proves they DID NOT even investigate the issue. Neither did XXXX which is also showing XX/XX/XXXX. XXXX actually Re-Aged this account as well which is also another violation. I have disputed this specific account since XXXX and have proof that I have done so. XXXX is showing a number of errors which makes me look bad as a consumer because they can not and will not commit to their job. Experian is showing no High Credit limit which is lower than the Credit Limit, which is wrong, to begin with, that is not the correct Credit Limit. The open dates are inconsistent with one another, they are stating this is a revolving account when it is proving to be a charge off or collection account. 
XXXX is not showing a Credit limit at all, the account numbers are inconsistent, to begin with on this account. I will also be submitting proof of this account as well.
Product: Credit card

Days after the account was open, the custom rep suggested me to change my address to get the other authorized card, which directly resulted in security hold on the account and I cant either use or close the account. 

I fax the documents as requested twice. I also called custom service once every 1-2 weeks but got no answers but keeping waiting. About 2 month later, I was asked to mail in the documents. The rep suggested the resolution would be in 2 weeks. 

The document was mailed on the beginning of XXXX ( see attached evidence ) and there was no response for another 2 months. I called in on the end of XXXX and it appeared that no one had processed the review. The account was then get unlocked eventually and I was transferred to get the account closed. The custom service acknowledged their faults. 

Through the entire period ( except a few days before the lock ) I was not able to use the card at all and could not use any of the benefit, including promotional APY, priority boarding or many other benefits bundled with annual fee that was paid upfront. 

So I requested for a refund of the annual fee but the custom rep refused to do so and explained with you are out of the refund period. However, I was trying to close the account early on but would not be able to do so due to the lock on the account. 

In other words, the company charged annual fee upfront but effectively provided no service. The company policy suggests a period for refund but it does not allow me to close the account within that period.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my XXXX request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Penn Credit slammed my credit on a debt that they either know or should know is not mine and the product of identity theft. Enclosed is the identity theft report that I did with the Federal Trade Commission on this false debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when they broke into my storage unit at XXXX XXXX XXXX unit in XXXX XXXX  on film. The individuals were charged in XXXX XXXX XXXX and were caught on film. When the burglary occurred they stole more than just gold, silver, and high end sports memorabilia but they stole my identifying information and social security card. Since then identity thefts have occurred several times including in this case wherein someone opened a utility account in my name illegally. The collections company or Penn Credit is trying to extort me into paying a debt that is not mine by weaponizing the credit reporting agencies and this is especially extortion when I am in real estate and a bad credit score can implode the business. There's a saying that power corrupts and absolute power corrupts absolutely. In this case the tactic was to weaponize credit reporting to make me pay on an account that was the product of identity theft committed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from Equifax and XXXX saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XX/XX/XXXXand Equifax on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. XX/XX/XXXXand Equifax says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. XX/XX/XXXXand Equifax can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If XX/XX/XXXXand Equifax don't delete them I will be looking for an attorney.