23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My complaint is against Cash App on XX/XX/XXXX my son XXXX XXXX put XXXX into Cash App for me. XXXX XXXX his mother. However, instead of using my bank information, they submitted it to a card of a former contractor. the card was used to send them money. The card belonged to XXXX XXXX. However, the money was supposed to be sent to me-XXXX XXXX. I have our entire conversation in a file below. Cash app asked me to call the bank to get the charges reversed, knowing the bank couldn't give me any information because I wasn't the cardholder. I spoke with XXXX XXXX and she closed the account in XX/XX/XXXX. She s [ spoke to the bank XXXX XXXX ( Prepaid account ) They said she closed the account XX/XX/XXXX and there hasn't been any activity on the card since then. The bank said in situations like that the bank returns the money with 2 days to the sender ( Cash App ). Gave Cash App the information XXXX customer service Rep said they saw that money was deposited in the account twice. XXXX completely ignored the fact that my son sent the money too me. Someone keyed in the wrong information. Now they are asking me to get proof from the bank. Which they can't because it's not my account. I asked XXXX XXXX to do it so I could attach it to the thread as XXXX asked, but the bank said they couldn't do it. I'm frustrated with Cash App. I removed XXXX XXXX 's card so they would not make the same mistake again. My son sent me that money for food and a pair of used shoes because I injured my knee. Cash App refuses to do the work and deleted the refund so the money wouldn't come back to the sender. See the attachment for full conversations.
Product: Checking or savings account

On XX/XX/XXXX I apparently had several payments all trying to go through at the same time, and Bank of America posted the largest amount first, causing 6 other smaller charges to all bounce. This led to them collecting 6 overdraft fees. I was not notified ahead of time that this issue was pending, and I was not given the option to determine what items to approve or reject that could have saved this HIGHLY inconvenient and straining situation. I also thought banks were supposed to be regulated more stringently on how they process charges in order to reduce excessive overdraft fees that are detrimental to their customers and just line the profit margin of the bank. 

I contacted the bank about the issue and to see if there was any possibility of the overdraft fees being waived because had they just rejected the one larger charger all the other chargers would have cleared fine, and I could have rescheduled that one large charge with the payee for a later date with no incurred fees. Even if Bank of America charged for the one rejection fee of the largest amount I still would have been saved 5 hits at {$35.00} each. The bank representatives had no interest in trying to assist or take any accountability on how their procedures caused this issue to be MUCH larger than it needed to be. This seems to be deliberately setup to squeeze as much money out of their customers as possible, especially with a checking account they commonly wouldn't " make '' money on except for in fees.
Product: Debt collection

CONNS HAS FAILED TO PROVIDE VERIFICATION OF ACCOUNT WITH A SIGNATURE AFTER NUMEROUS ATTEMPTS.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am filing a formal complaint against Equifax regarding fraudulent accounts and inquiries appearing on my credit report. These accounts were opened due to identity theft, and I have already provided the necessary documentation under FCRA 1681c-2, including my FTC Identity Theft Report.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Equifax is required to block fraudulent accounts within 4 business days after receiving my FTC Identity Theft Report. 

The following accounts remain on my credit report despite my dispute.

2. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ) Equifax has failed to investigate these disputes properly, violating federal law. 




Fraudulent Accounts on Equifax 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 Fraudulent Inquiries on Equifax XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to freeze my Equifax credit. Since XXXX XXXX, I have tried to freeze my credit online at least 3 times a day with no success. I have also called the call center and have reached agents that have no idea what they are talking about including providing incorrect information such as 1 ) equifax will call me directly to verify 2 ) incorrect fee information 3 ) unable to provide information on how to actually freeze my credit 4 ) could not explain the credit monitoring product or any of its terms 5 ) call center agents admitted they did n't work for equifax director and receive no relevant training on credit related issues
Product: Credit reporting or other personal consumer reports

On XXXX my credit score was XXXX. On XXXX, my XXXX XXXX dropped to XXXX the credit scoring method of Experian violates U.S. credit and consumer protection laws because it does not comply with the requirements of the laws. There was no change in any relevant factors published by Experian to cause such a large drop. It appears that Experian selects people targeted for malicious treatment based on impermissible reasons. Experian refused to respond to my requests to correct this and for specific explanation for this change. Experian is literally engaged in withcraft.
Product: Money transfer, virtual currency, or money service

I opened an account with Kraken on XX/XX/XXXX and purchased an undisclosed amount in bitcoin. A day later I had trouble with my Kraken account and I was instructed by Kraken support that " for security reasons your account has been closed. Contact the bank for a Charge Back ''. 
I did what I was instructed and contacted my bank for a " Charge Back '' in the undisclosed amount. I contacted XXXX XXXX XX/XX/XXXX and was told that a charge back was initiated on XXXX. Yet after a week checking in, I found out that no action has taken place. After a few days my bank changed it to a " Fraud Case ''. Since it is an XXXX  transaction ( not protected for service ) I have to work with Kraken. 
The only way to interact with " escalated '' support is via email. I've sent numerous emails that are unanswered. Responses are very " cold '' and unprofessional. I would rate a 0. I will be following up with legal action.
Product: Checking or savings account

XXXX weeks ago capital one bank sent me an email stating they would close my account given I did not abide by their policies. The email stated any remaining balance would be transferred within XXXX business days to an external account. It has been XXXX weeks ( since XX/XX/year> ) and this bank is now holding frozen my XXXX payroll checks. I am unable to withdraw them to pay bills, gas, groceries, survive. I need help before I become homeless and unemployed. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute these inquiries with 3 reporting agencies ... but however they are still there and I didnt give anyone my authorization to run them
Product: Mortgage

We had an equity loan ( line of credit ) on our home in XXXX  ( second home ) many years ago. A gentleman from Bank of America called to inform us that BA was no longer able to provide lines of credit on second homes. Our permanent home was in XXXX XXXX, and he offered a transfer of the loan in XXXX  to primary home in XXXX. I informed him that I was unable to acquire wind insurance in XXXX  due to the age of the home ( XXXX ), he said that was not a problem, so I allowed the equity loan to be transferred the home in XXXX. For many years ( over XXXX  years ), each year, I did provide BA with my full property insurance policy as requested ( all coverage except wind insurance ) which was never available to us! There was never a problem, I repayed the loan, never ever missed a monthly payment. There was never a penalty etc over all these years. We had to sell the house in late XXXX XXXX XXXX, and at the closing, BA removed and extra {$15000.00}, above the loan repayment amount of about {$400000.00}. I have since contacted BA many, many times, to no avail, they did return my calls, and said this went to their highest committee! The final letter states that we are to maintain wind & flood coverage if the loan property lies within a special FLOOD HAZARD AREA! Our home was not in such an area, and I explained this many times to the representative at BA, but the response is that their form has to be re-done???? WE DID NOT EVER LIVE IN A FEMA designated area, therefore would like a refund in this extremely large penalty we were charged at the closing, can you please help us, we are in our XXXX XXXX and never expected this huge bill! We had no choice, the amount of over {$15000.00} was taken from us at the closing! We never had an insurance claim in all of the years we lived in that house ( XXXX to XXXX )
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND WAS SHOCKED TO FIND I HAD BEEN THE VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THESE ACCOUNTS, PLEASE REMOVE THEM FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$310.00} | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been contacting XXXX, XXXX and Equifax since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX - BALANCE {$19000.00}
Product: Debt collection

The representative called us and presented himself as a " mediator '' and discussed arbitration proceedings. When asked if he was a court-appointed mediator, and if not, what company he worked for, he avoided the ( repeated ) question, he quickly hung up. It took two call backs for them to identify themselves as " XXXX XXXX, '' a debt collection agency. They were attempting to collect a debt owned by Perfection Collection, which was originally owned by a security company, XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I hit a deer with my car. I turned this in to my car insurance. After several weeks of dealing with them, they finally did a total loss on the vehicle. The whole time I was in contact with the finance company who had the loan on my vehicle, which is Prestige Financial Company. I was told by them that I had GAP insurance and that once my auto insurance company sent them the check for the amount of the vehicle then they would start the claim for the GAP insurance. They received that check on XX/XX/XXXX. Today is now XX/XX/XXXX and this loan is still not paid off. I have spoken to XXXX, at Prestige who keeps telling me they put the claim in and now they are just waiting for them. It's been 4 weeks since they supposedly put the claim in. I dont understand what is taking so long. And when I try to call Prestige I can never get through to someone, you are kept on hold forever. They only way I have been able to contact them is going on to their website and sending an email. This is frustrating because they had no problem calling, texting and emailing me if I was late on a payment. I have explained to them that I cant get another car loan until this one is closed. So i have been without a vehicle since the end of XX/XX/XXXX. I have most recently asked for the insurance companies info that they have the GAP insurance through and I have gotten no response. I just need some assistance because everyone that I have spoken to about this says it should not take this long for the GAP insurance to kick in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor again to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXXXXXX Balance XXXX {$710.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX DE XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX Home Depot CC 's opened XXXX XXXX No paper statements were sent. I was unaware of the balance. 
Responded to a collection call XX/XX/XXXX for {$370.00}. I paid the balance in full and asked to cancel the CC 's. 
XXXX I get a statement for additional balance of {$48.00} that was not included in balance due that I paid after I was told the balance was paid in full. I made no additional charges after I paid the {$370.00} which they told me was the total amount due. I requested to have the late charge waived which they denied. 
XXXX the {$48.00} was paid after they refused to accept payment without late fees by phone. 
I continue to get recurring late fees and interest on a XXXX charge balance. 
The XXXX statement balance is {$200.00} for late fees and interest. 
I requested a review of the collection call and they denied me access to that information
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had this account, i'm not responsible for this transactions. I never sign any documents with this company.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 accounts and remove them immediately in my report : XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Mortgage

Currently I have a first mortgage, with about XXXX dollars un paid. I have a home equity loan from Wells Fargo of XXXX dollars and used XXXX. It was an interest only loan ; and they also became the second holder of the mortgage. In XXXX of XXXX they matured the loan and demanded full payment. I could not pay. So after a running discussion with their staff, and my submission of documents supposedly for a modified loan, which came back in the amount of XXXX, but this on top of XXXX first mortgage clearly could not work. 
I wrote them a letter saying why, and that I was just digging a deeper hole, and would they consider an amount of approximately XXXX - XXXX dollars a month. They said flat out " no '' and based it on my gross income. Did not take into account that I am XXXX years old, and while I had a XXXX, which I no longer have. My net income is XXXX dollars, pension and social security. At first glance one says, well, he should be able to do it, but taking care of house, those expenses as well as medicines, family expenses, it would be choke tight, and after a period the loan at that amount would become delinquent and more charges would be added. I paid, without fail, the interest on this loan for over XXXX years. 
Second issue, the loan was in fact predatory, in the sense that as I remember they sought me out, and must have realized when they visited that a house I paid less than XXXX dollars, a HUD house that had been vacant for many years in a shaky neighborhood, could not have been worth the value they put on it of - {$120000.00}. They seemed to know what they were doing. Now they are threatening to foreclose. On XXXX/XXXX/XXXX, I received a notice that they were foreclosing if I could not cure the default by XXXX/XXXX/XXXX. This is not something I can do. 
In our last discussion on the XXXX of XXXX, when they were pushing me to sign the modification and insisting that I pay XXXX monthly payments of XXXX each. It was sign or not on that date! But strangely, as I talked about how I came to the home equity, and that the person who came out was looking at me incredulously. We were on a XXXX-way call, and the XXXX Wells Fargo people, each uttered, at different times, more a kind of, blurt, " write off '', it was noticed because it was not tied to any discussion that we were having out loud, meaning maybe they were having the discussion in their heads. The words were out there, and I did not ask, because I, only in recalling the discussion, thought that these utterances might be significant. 
More serious is the fact that I do not have a full sense of my legal property rights on this matter.
Product: Debt collection

On Thursday, XXXX XXXX, 2016 @ XXXX, I received a call on my mobile phone from blocked number from a XXXX XXXX XXXX stating that he was calling from the XXXX XXXX Clerks office. He said that if I did not respond I would be served legal paperwork by a uniformed officer the next day. He referenced a phone number and an account number. The phone number was XXXX. I tried calling the number back and I received a message saying that the number was n't valid. After making another attempt to call on my cell phone I was connected to XXXX. XXXX saying that they were contacting regarding an old credit card that was originally taken out through Continental Finance. They said that there was a XXXX complaint in effect and that they papers were going to be served. After first speaking with XXXX XXXX and then to a XXXX XXXX XXXX, who was stated that he was in the legal department, they were wondering how I would repay the debt. They named off several numbers ranging from {$430.00} to {$3800.00}. They aid they would give me 72 hours to think about how I was going to pay the amount. They have also called and harassed several of my relatives giving the same story. I asked XXXX XXXX about XXXX XXXX and said that he posed as a person calling from the XXXX County Clerks office and all he said was that it was strange. He did admit that XXXX XXXX XXXX does work for their company but not in his department. I have a recording of the original message where XXXX XXXX XXXX stating that he is with the XXXX County Clerks office.
Product: Credit reporting or other personal consumer reports

I have been fighting with these companies as well as the 3 main credit bureaus that these accounts are not mine. I have sent all information needed to show them that it was not mine and that I was a victim of identity theft. It also has been proven that more than one social security number was being used on my account. These are the following accounts XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b I have the right to privacy and I didn't give written consent for any of these accounts to be published on my credit report because they do not belong to me.
Product: Debt collection

I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted XXXXXXXX XXXX seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked LCI Consumer Center to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LCI Consumer Center are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an open collection with the company Affirm thats handled by true accord. Ive since paid the debt in full for full balance and still reporting delinquent and negative months later. I have a receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the Original creditor XXXX XXXX XXXX XXXX XXXX XXXX company they sent the account to. called Fair Collection and outsourcing, I sent all my documents showing proof of all my payments I made to equity equal canyon Transunion remove the original creditor but refuse to remove the collection company that equity equal canyon sent the account to XXXX XXXX XXXX XXXX  I Dont Owe Fair Collection and Outsourcing anything the Original creditor that sent the Account to Collections no that I Dont Owe Them Anything that why Transunion removed XXXX original creditor from my credit profile.Refuse to remove the collection company knowing that I dont owe them nothing. Please have them to do a full investigation to delete this Fraudulent XXXX XXXX XXXX XXXX  off my credit profile profile.