23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I signed up with Square as a POS processor on XX/XX/XXXX. My external bank account was added and by XX/XX/XXXX Square reported it as " verified. '' I then had my first sale and subsequent successful transfer of monies to my XXXX XXXX XXXX XXXX account using Square 's XXXX instant transfer. By XX/XX/XXXX the XXXX instant transfer option was disabled and subsequently caused me a loss of almost {$1000.00}. Every transaction thereafter I was only allowed to use Square 's slower ACH bank transfer option to receive my funds. From XX/XX/2021I had many more transactions and three transfers out of Square and into my XXXX XXXX XXXX XXXX checking account. Today it is XX/XX/XXXX and I'm still missing the funds from those three transfers totaling almost {$1000.00} because Square transferred them into someone else 's account. My checking account has been closed at XXXX XXXX XXXX XXXX after they verified to me that my funds were sent to an incorrect account and were unable to be recovered by them. I sincerely appreciate your help with this matter, Square couldn't be any worse of a financial partner and my life has been in ruins since they've pulled this scam. 

SUCCESSFUL ================= XX/XX/XXXX XXXX XXXX, XXXX. 
{XXXX} UNSUCCESSFUL ================= XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX}
Product: Debt collection

D & A services keeps calling me and sending me letters for some " XXXX XXXX XXXX '' debt I've never had - {$1100.00}. I wrote a letter and answered the phone one time stating such and to please stop contacting me about this. Additionally, that being on SSDI I couldn't even afford to pay this just to get it off my credit report and move forward. Suffice to say, I never received a reply and when I answered the phone the one time and said that I was hung up on. This particular company has a lot of negative complaints about it on XXXX on various forums and web sites. I only want this to stop and have it removed from my credit report. Any help would be greatly appreciated.
Product: Credit card or prepaid card

Please find below a copy of my email to Amex that describes what happened. 

De : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMPLAINT - missing Hilton points XXXX Offices Dear Sir/Madam, I have been an Amex Hilton cardholder ( XXXX ) since XXXX at various levels. On XXXX XX/XX/XXXX, I upgraded my card to take advantage of the XXXX bonus offer I received in an email. I fulfilled the condition of spending {$3000.00} and earned XXXX. Because I reside overseas, I do not use the card often currently and I downgraded the card on XXXX XXXX. On XXXX XXXX, I realized that I did not get any Hilton points since the downgrade ; namely XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totalling XXXX points. ( please see 3 attached statements. ) I called Amex from XXXX, XXXX on XXXX XXXX and spoke to numerous agents and spent well over an hour on the telephone. Finally, I spoke to XXXX XXXX XXXX XXXX ), a supervisor in XXXX, XXXX. I explained to her the issue and she said she was going to call me back that day or XXXX XXXX. I waited but she did not call. 

I contacted Amex again on XXXX XXXX XXXX XXXX time. I first spoke to XXXX XXXX from XXXX XXXX, Texas but she could not locate XXXX XXXX as there were no notes left in my account from XXXX XXXX conversation with her. She was able to put me through to XXXX XXXX after speaking to her supervisor. Unfortunately, I got the same answer that I would not be getting any points since the downgrade until I reach XXXX points by spending. 

My complaint is based on the following : XXXX ) this was never mentioned at the time of downgrade XXXX ) this is not stated on any of the XXXX statements ( XXXX, XXXX, XXXX ) where it says I EARNED the afore-mentioned points. 
XXXX ) had I not realized I was not getting any points XXXX XXXX, I would continue spending on the card since I received no email/communication in this regard. 
XXXX ) I am now told that the rule of not getting any points since the downgrade until I reach XXXX points by spending is applied not until 12 months since the upgrade, ie XXXX XX/XX/XXXX BUT indefinitely ( which of course leaves me with almost no Incentive to keep the card. ) Having been an Amex Hilton cardholder since XXXX with impeccable standing, I strongly feel I have been misled and that I am owed XXXX Hilton points based on my spending through XXXX XX/XX/XXXX. 

I asked all agents that I spoke to including XXXX XXXX and those on the chat support to which outside bureau I could turn if my complaint is not resolved satisfactorily. None of them could answer. I found out through XXXX search that I can submit a complaint to Consumer Financial Protection Bureau. I am surprised structured complaint handling is not in place at American Express. I sincerely hope that you will be able to intervene and resolve this complaint satisfactorily. 

Kind regards, XXXX XXXX
Product: Credit card or prepaid card

I was erroneously enrolled into Account XXXX by Express Credit Card. On XX/XX/XXXX I was billed {$24.00}. And again billed {$24.00} on XX/XX/XXXX. I emailed customer service who stated that the charge was added to my account in error. They would cancel me from the program ( Account XXXX ) and would refund the fee. 

Earlier this week I noticed that I have been cancelled from the program ( Account XXXX ) but was billed again ( on XX/XX/XXXX ). I emailed customer service again which did not resolve the matter. I am thankful that they have cancelled me from a program that I never enrolled into but I would also like for them to refund my account the fees that were billed to me for those services that I never provided authorization for. 

Your assistance in getting this matter resolved is most appreciated.
Product: Debt collection

I want to emphasize that I am not the account holder associated with the aforementioned creditor, and I believe this to be a case of mistaken identity. It is distressing to learn that my credit report has been inaccurately linked to an account that I have no knowledge of, and I fear that this misidentification has occurred due to the wrongful association of the theft victim with the alleged thief. I am a victim of identity theft, and I have taken immediate steps to dispute this account with the creditor in question. They have acknowledged the fraudulent nature of the account and are working to rectify the situation. However, I am adamant that there has been a misunderstanding, as I have no knowledge of the account in question, and it appears that my identity has been wrongfully associated with fraudulent activity. 
XXXXXXXX XXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!! 
I insist on a thorough reexamination of the verification process, as I am confident that an error has occurred. It is crucial for the accuracy and integrity of my credit report that this wrongfully verified fraudulent account be removed promptly. I request that you conduct a diligent investigation into this matter and, upon verification of the inaccuracies in the reporting, proceed with the immediate removal of the wrongfully verified fraudulent account from my credit report. I also expect regular updates on the progress of the investigation within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have received NUMEROUS ads in my email for a {$700.00} XXXX XXXX  card ... after they stated they only had {$300.00} limit cards... I spoke to someone who called after I sent an email to the CEO and she said I wasn't eligible and would take me off the list for emails ... .I continue to receive them even after I myself unsubscribed!
Product: Credit card or prepaid card

I signed up for a XXXX XXXX card under a promo offer for 0 % interest for 15 months, {$200.00} bonus for a minimum spend, and 1.5 % cash back on purchases. I was approved for the card, had been using the card to purchase material for a project and then a month in received an interest charge of {$150.00} on XX/XX/2020 even though I paid the minimum payment and it was supposed to be 0 % interest for 15 months. I also was not receiving any cash back or other bonuses. I called Amex on XX/XX/2020 to figure out what was going on and they told me, I wasn't eligible for the promotional offers. When I asked why, they couldn't tell except for someone in the " specialty department '' decided they removed those options for me. I had an option between this XXXX XXXX XXXX and 3 others from different creditors and ultimately  decided on this card because it had the best offer. Only to find out, they removed the sign-up offers from my account without ever notifying me! They wouldnt put any of this writing of why I did not get the offer bonus after being approved and wouldnt look up or share any notes or transactions on my account. Never once was I notified that the promotional offers would not be provided to me. Complete abuse of power, fraud, and disgraceful business. I ended up paying off the $ XXXX balance to a {$0.00} after they refused to do anything for me and then they charged me an additional {$100.00} of interest chargers AFTER my balance was {$0.00}. I ended up losing out on close to {$1000.00} due to interest chargers, promo offers not happening, and a {$230.00} transfer fee to bring the balance to {$0.00} so no more interest chargers accumulated on my 0 % interest card.
Product: Mortgage

I entered a mortgage loan agreement with Roundpoint Mortgage for a short-term loan on an investment property located @ XXXX XXXX XXXX in XXXX, Ga. When the loan became due, the market did not support selling the property, so i sought a loan modification. Surprisingly, this process took well over eighteen ( 18 ) months, with the lender CONSTANTLY requesting updates on paperwork, e.g. my income, account balances, etc. When the modification was finally offered, it was not based on the amount i had owed at the time the loan expired, but included the months of payments during which the loan had been in abeyance. [ Please note that i had continued for the first 6 or 7 months of the process to send my former monthly payment amount ( in excess of {$1200.00} ), but Roundpoint always sent back my payments, saying they would only accept the full loan balance. The result was that at the time of the Modification Offer, a huge amount had been added to the principal, making my monthly payments HIGHER THAN THEY HAD BEEN BEFORE (! ), and i clearly was not able to make these payments. 
At this point i offered to sign the deed to the property to Roundpoint, but they refused. They said I had to try to short sell the property. Meanwhile, they started FORECLOSURE proceedings. I retained a realtor, and got an offer for the property, but Roundpoint turned in down, stating that the offer must be for {$170000.00} or more. I put the property back on the market, and my realtor obtained a signed contract for the requested amount. Meanwhile, the Buyer relocated to the area of the home, pending CLOSING. [ Please note that foreclosure proceedings ( i believe not in good faith ) had been re-instated ]. THREE DAYS before the scheduled closing WITH THE OFFERED AMOUNT THAT ROUNDPOINT HAD REQUESTED, Roundpoint proceeded with foreclosure!!! This is despite the fact that all along i had agreed to sign the deed to the property over to Roundpoint, & only went through the Short Sale at their request. 
Their foreclosure disrupted the Buyer, cost my Realtor her anticipated commission, and left me with a credit report reflecting a foreclosure which has worked to my severe detriment since the time the foreclosure was entered XX/XX/2016. 
I would like Roundpoint to be compelled to delete the foreclosure. I would like my credit report to show a " Deed-in-lieu '' or some other disposition of this transaction that does not have the significant & severe impact on my credit report & my credit score, I will greatly appreciate any help you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, XXXX, EQUIFAX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX  XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit card

They are refusing to delete the credit cards off my credit files because the information is accurate even when I send them the identity theft report but they are refusing to delete that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices, which violates the consumer protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Filed complaint on XX/XX/XXXX and mortgage company mr cooper claimed to have forwarded a response to me on XX/XX/XXXX and as of today XX/XX/XXXX I have yet to receive any response to request of documents NOTICE OF FILING XXXXDENTITY THEFT REPORT FEDERAL TRADE COMMISSION REPORT # XXXX
Product: Credit card or prepaid card

I have had a Capital One XXXX XXXX credit card since XX/XX/XXXX. I have never been late or missed a payment. XXXX XXXX  score is in the XXXX range. I own my home outright and have no debt. I am retired and am XXXX years old. In XX/XX/XXXX, I charged a total of {$7600.00} to this XXXX card and paid the full balance due each month. On XX/XX/XXXX, Capital One wrote me a letter ( which I received on XX/XX/XXXX ) stating that my credit limit had been changed from {$25000.00} to {$10000.00} because " my account was not used enough for the assigned credit limit ''. As stated previously, I charged a total of {$7600.00} to this card in XX/XX/XXXX. I have a subscription to XXXX  and was informed yesterday that my XXXX score had been decreased from XXXX to XXXX due specifically to the credit limit downgrade by Capital One. I asked the XXXX   rep what credit limit I should have in order to support a yearly purchase usage of {$7600.00}. She told me that my usage should not exceed 20 to 30 % of my credit limit. Their preferred value is 20 %. Using this info, my previous limit of {$25000.00} was the minimum I should have ( {$38000.00} is preferred ) I have given Capital One no legitimate reason for the credit limit downgrade and I can only assume that I am being punished because of AGE DISCRIMINATION by Capital One. They have NO LEGAL BASIS for this credit limit downgrade! PLEASE help me get this INJUSTICE reversed and send them a clear message that AGE DISCRIMINATION is against the law and will not be tolerated!
Product: Credit reporting or other personal consumer reports

at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute issue with experian. 

Experian is reporting a deliquent or deragatory account with XXXX XXXX auto finance on my report. This account is way past the reporting time allowed ( 7 years ).
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. XXXX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Debt collection

Seen dept on credit report tried to acknowledge it. Called the dept collector first person was XXXX, he stated that I needed payment in full and no other options that I had to pay it right now or else they would come to my place of living and collect it there and that my kids will pay for my dept or be on the streets like I am. I called and talked to a new XXXX XXXX she said I needed it in full and when I called back to talk to her she wasn't available so XXXX got on the phone and said that I can't have any payment plans and stop trying. So I asked for a letter she denied me a letter saying to get a lawyer if I want to make sure the dept is mine. They said they will continue to harass me and my family.
Product: Credit reporting or other personal consumer reports

Greetings, To all consumer reporting agencies, please see opt out letters in attachments regarding Experian, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIO XXXX XXXX
Product: Mortgage

We successfully applied for a secondary loan from the mortgage company holding our primary home mortgage. Four months into repayment, we realized the interest/principal allocations were very odd and called the company. They realized the secondary loan had been incorrectly onboarded as a Daily Simple Interest loan instead of a fixed rate loan. This was corrected but in the loan maintenance process to reallocate the first four payments, the company unapplied all four loans but did not quickly reapply them. Their own default department, apparently unaware of our situation, began foreclosure proceedings. Panicked, we made a {$1200.00} payment on XX/XX/year>, representing three months ' worth of payments. While the other payments were eventually reposted with correct interest/principal allocations and dates, the XX/XX/scrub>XXXX XXXX XXXX  payment was not. Based on our payment history in our account portal, we believe the company broke this extra payment into three equal amounts and applied them as interest-only payments for XXXXXXXX XXXX XXXX XXXX I can't think of any scenario where an interest-only payment would be needed, and since we were not in default or behind in our payments, we believe those amounts should have been applied as principal-only payments. We tried to get the company to investigate the account and explain how it handled the payments the way it did, but after several months have not received a response.
Product: Mortgage

I recently ordered and reviewed my Credit Reports from XXXX and XXXX. During that review, I discovered a serious mortgage loan reporting error on those reports from NationStar Mortgage. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

I 've attempted various calls to NationStar to discuss and resolve this error. The response I 've received from NationStar and its reps can only be described as a " runaround ''. I contacted them on XXXX/XXXX/16, during which time the rep took all pertinent information and told me it would be submitted for research. I re-contacted NationStar on XXXX/XXXX/16 and was told that there was no record of my earlier call. On XXXX/XXXX/16 I re-contacted NationStar and was told by that rep that no research would be done without it being requested by me in writing. On XXXX/XXXX/16 I faxed XXXX to the number given me by the XXXX rep ) a written complaint to NationStar Research Department, laying out my concerns and attaching all relevant information. 

It 's now been 2+ weeks. I have no acknowledgement from NationStar that my faxed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Before Nationstar, this mortgage loan was serviced by XXXX and was originated by XXXX XXXX XXXX prior to that. 

Please investigate these matters and correct the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a 3rd party collections agency that XXXX sold the account to called XXXX Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with XXXX management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and XXXX Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violates FCRA reporting policies. This company has reported this account being 'charged off ' 34 times!! 

An account can not be charged off 34 times.