23daVinci/CFPB_Complaints huggingface dataset:
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 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 regulationE. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$290.00}.
Product: Student loan

Elon musk having access, as a private citizen, to my loans is unconstitutional and illegal. The federal government needs to step up and sue him, I along with other citizens as willing to be part of said class action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit. But nothing seems to be changing. I then realized that there are some conflicting inquiries on my credit report. These are inquiries that I never authorized. Some I dont even know about. Others, I was pre approved, but they showed as hard inquiries on my credit report. I have contacted them but nothing good came out of it. Trans Union is not giving me a good answer each time I speak with a representative. They keep telling me they will look into it. XXXX removed the few I complained of long ago. 
The following were not authorized by me : XXXX XXXX XXXX ; XXXX ; XXXX XXXX, and XXXX offered me and my application was approved, but it ended up showing as a hard inquiry. XXXX XXXX, pre approved me, I accepted and was approved, but yet it showed as a hard inquiry. XXXX XXXX also pre approved me, but it showed on my credit as a hard inquiry.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have spent three years going around in circles with my mortgage servicer Select Portfolio Servicing. The day my loan was transferred to them they put a Notice for Sale on my door. After fighting back I was able to get them to try and consider me for a modification and then they tried to sell my house out from under me again. I qualify for the DOJ modification settlement, I even received a letter with an offer while my loan was with XXXX XXXX XXXX. I immediately accepted the offer which included principal forgiveness and sent in all of the paperwork. Instead of saving my home my next correspondence was a Notice of Sale and a letter saying my loan has been transferred to Select Portfolio Servicing. This has been beyond frustrating. We have sent in hundreds and hundreds of documents to SPS, but still three years later they have never actually completed a review of our information. They have assigned and re-assigned and changed our point of contact a minimum of 10 times, and have been less than forthcoming in the letter that they sent to us after we got our Congressman involved regarding why this has happened. We are not asking for anything for free, we just want a chance to resolve this issue and get into an affordable monthly payment. 

I have worked XXXX for 35 years. Due to the consolidation of the XXXX, XXXX XXXX, economy etc. the pay for on XXXX began getting cut. This coincided with my property value tanking. At that time I was in a predatory adjustable rate 40 year loan with XXXX XXXX XXXX and I tried to get some type of help. I went to homeowner events, I called in, I tried to apply and made no progress. Finally I was laid off and then could not make the payment and after I fell behind XXXX XXXX XXXX started to pay attention. I was ecstatic when I received the letter that I qualified for the Department of Justice modification program which included principal forgiveness and immediately got the requested documents to XXXX XXXX XXXX and hoped for the best but instead got the worst, as I had mentioned above. A sale date and a transfer to Select Portfolio Servicing. 

I know I qualify for government programs, I know that the investor is participating in these programs so why does SPS put up so many roadblocks? I am working full time, my husband is working full time and we have boarder income as well. I know that we fit the criteria for help, our one obstacle is SPS. I am pleading with your organization to put SPS on notice and push them to make this file a priority and work with me to help us save our home. We will provide whatever additional information is needed in a timely fashion, but we need SPS to stop playing musical chairs with our point of contact and to actually COMMUNICATE with us. We can afford a reasonable payment and we have taken good care of this house and want to stay if we are given the opportunity.
Product: Checking or savings account

When applying for a checking account at Webster Bank on XX/XX/2020, I was denied a checking account and instead had to open an " Opportunity Checking '' account that carries a significant monthly fee. 

I was given a " notice of action based on information contained in a consumer report '' that instructed me to obtain a copy of my XXXX  report and dispute any inaccurate information in that report. 

I requested my XXXX report, and when it arrived ( dated XX/XX/2020 ), there were no derogatory marks on my report ( specifically, there was " no information found '' under the " Reported Information '' section of the report ). 

I spoke to Webster Bank customer service on or around XX/XX/2020, and they informed me that my XXXX  report contained three charged-off accounts. However, they would not give me a copy of the report. 

I spoke to Webster Bank customer service on XX/XX/2020 and XX/XX/2020 to attempt to get a copy of the report that was used to deny me a checking account. The first time I called, I was told that the department that handles XXXX  reports was closed. The second time, they first tried to make me call XXXX, and subsequently put me on hold and then disconnected the call. 

As far as I can tell, Webster Bank illegally denied me a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.
Product: Checking or savings account

Somebody opened an account in my name without my permission. I notified the bank and they refused to assist me unless I provided more personal information, which I was not willing to do considering there was fraud involved in opening the account
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX
Product: Credit card

I purchased tickets from XXXX XXXX in XX/XX/XXXXXXXX  for XXXX XXXX  and selected the XXXX XXXX option using my Citibank XXXX XXXX. The full charge is on my account. I communicated with Citi 3 times. The first was through chat ( I have screenshots ) and they stated that there was nothing wrong with the charge and the associate asked if the issue was that I can't afford to make the {$1200.00} payment by XX/XX/XXXX. I asked for a supervisor and was told one was not in. The second was on XX/XX/XXXX XXXX  with a supervisor who stated that there is a XXXX XXXX and the charge would be reversed, all that I would need to pay was the $ XXXX amount. I said great, I'll pay {$400.00} that day and I should be fine. A few days later, I noticed that the balance of $ XXXX was still showing due XX/XX/XXXX. I called and spoke to an associate a third time on XX/XX/XXXX XXXX  ask why the charge was still showing when I selected the plan option when I purchased the tickets. The associate stated that the charge will be reversed and put back on the next month. I mentioned my last conversation with the supervisor and that I only owed the $ XXXX, and paid {$400.00}. She said that was correct. Now I am showing that I am over the credit limit because of this. If the plan option was not available, I would have used another card. I told her that these are unfair business practices. She said that I signed the agreement. I agreed to the plan when I bought the tickets, and she stated that I signed the agreement after the purchase, XX/XX/XXXX. She then mentioned that XXXX may not have transacted the purchase correctly and the option would be to cancel the plan. I told her that I selected the plan and the I was calling to reverse the charge because the XXXX XXXX was in place. This is why I am contacting you. I file with the FTC as wellXXXX because Citibank is conducting unfair business practices. I'm filing with you regarding the XXXX XXXX showing on the XXXX website per the agreement with Citi 's terms and conditions. If they were correct in either case, I would have made better choices. 
I checked my account XX/XX/XXXX and every month my minimum payment due increases and I don't actually know what I should be paying. Plus, Citi continues to send me, " would you refer someone to the Citi XXXX XXXX  program '' surveys. Of course not, you don't know what you're going to end up with from plan to plan. I have two and they're both different.
Product: Credit reporting, credit repair services, or other personal consumer reports

over 3 years ago my sons private student loan fell into collections with citizens bank. he set up his account and has made every single payment every single month to the bank. he found out about a month ago that citizens bank screwed up and never filed the proper paperwork to the credit bureau when his loan transferred. The reason he found out was because he got hit with a negative XXXX on his account a month ago ( over 3 years after the loan was active ), and it shows citizens bank as the culprit but no information as to why. The credit bureau also has NO history of his payments being made over that time. Since then he has filed multiple complaints and has tried to contact the bank directly. He spoke to XXXX from the chairmans office ( XXXX ) over three weeks ago, and she told him " we have no idea what happened ''. XXXX verified all my sons information and verified he has made all payments on time and that his account hasnt been changed, so they are unsure what happened. Since that conversation my son has tried to contact her back multiple times for updates, but all of his phone calls are ignored, and XXXX refuses to answer his voicemails and call him back. My issue now, is that last week I received a notification that my credit score dropped. Upon investigation it now appears MY credit has dropped 37 points for no reason - it just says " citizen bank ''. We have not made any changes to citizens bank, they have officially screwed up my sons account and now it has impacted us both. They NEED to stop dragging their feet and fix this!
Product: Mortgage

My wife and I applied for a refinance with Freedom Mortgage on XX/XX/2020 and the process is to date, incomplete. At the onset, our loan advisor was very helpful in providing the initial loan estimate@ 2.25 %. Once our social security information was forwarded to officially apply with Freedom, all went silent. Both emails and voicemail messages have gone unanswered from the loan officer, the title company, as well as the customer advocates. Once information that is requested has been provided, it somehow gets lost and you are requested to provide the same information again. It is as though, there is an intent to stall. 

This is absolutely the worst customer service experience we have had. This refinance should have been an easy and straight forward process and it is unheard of for it to take 3 months to be finalized. A streamline normally takes just a few weeks. Freedom has ran our credit twice, moved along to have our insurance update their records with them as the new lienholder ( although the loan has not yet been finalized ). The last successful communication we have received was on XX/XX/2020 advising that they were awaiting title work and approval. Nothing since. 

If there is an underlying reason for this lengthy process, we have yet to be informed. We have also requested that this issue be escalated to their management team and the staff has refused to forward a contact.
Product: Checking or savings account

My XXXX  received a settlement check from XXXX XXXX XXXX XXXX XXXX in the amount of {$14000.00}. The check was mailed to my house. The check arrived on XX/XX/XXXX. It was supposed to be cashed by XXXX, because that's who the check was endorsed by. Me and my XXXX  went to a XXXX branch in XXXX XXXX. We were told that we couldn't cash the check at XXXX ( too many people were receiving the same checks and they couldn't cash it ). My XXXX  doesn't have a bank account because he was released from XXXX XXXX on XX/XX/XXXX, and didn't have his much needed documentation to open up a bank account. We were then told to go to Chase Bank, and double endorse it ( my signature and his ). I had an account with Chase Bank during that time. We go to Chase Bank, and we both sign the check. It goes in my account. A few days later, XX/XX/XXXX, I return to the same location, to an employee named XXXX XXXX. I bring the stub that came with the check. My Chase checking account was closed a few days later. I contacted OCC on XX/XX/XXXX, and they opened a case. An executive by the name of XXXX contacted me on XX/XX/XXXX, and asked me to submit a Power of Attorney form to him. We obtained the documents ( POA ) on XX/XX/XXXX. I emailed them to my case manager from Chase. I tried getting in contact with XXXX, and I was told on XX/XX/XXXX, that there would be a new executive in charge of my case. Her name is XXXX. She contacted me a few days before the XXXX XXXX, and explained to me that the POA wasn't enough, and that they needed to verify my XXXX  over the phone. On XX/XX/XXXX, he called the Chase fraud telephone number and said that he is in fact the third party. He gave me his copy of the POA, and I took it to the bank on XX/XX/XXXX. I came back to the same XXXX XXXX location, on XX/XX/XXXX, and was told that the POA was valid. They told me that a cashier 's check would be mailed to my house in XXXX to XXXX business days. No check at all. I called Chase Bank on XX/XX/XXXX, and they told me that I have to return to a physical location and bring in the POA. This feels like it's never ending. My XXXX  is in a XXXX XXXX, and me and him would like for this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX , Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error regarding this reporting. The account/card does not belong to me.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report a recent incident of identity theft and unauthorized withdrawal from my Chase bank checking account. On XX/XX/, while reviewing my account information, I discovered that {$2900.00} was withdrawn from my account by someone. 

I immediately contacted Chase Bank customer service and reported the incident. The representative, XXXX or XXXX, confirmed that the withdrawal took place at the XXXX XXXX XXXX XXXX XXXX, New York, on XX/XX/XXXX XXXX XXXX at XXXX and was processed by Banker XXXX XXXX. 

I request your assistance in this matter, as I have already reported the theft to Chase Bank and I am eager to receive an immediate response from them. Not only do I request a refund of the stolen funds, but I also require a letter from the bank confirming the crime and cooperating with the XXXX, who will not take any financial crime cases without such a letter. 

I can share all relevant documentation, including the bank statement showing the unauthorized transactions and my correspondence with Chase Bank customer service. 

I would greatly appreciate your prompt attention to this matter and any assistance you can provide in resolving this issue and protecting my personal and financial information from further harm. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you