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

On XX/XX/XXXX me and other 500 clients were scammed by XXXX XXXX XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my XXXX Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, XXXX {$10000.00}, 1st National Bank {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
Product: Vehicle loan or lease

My name is XXXX XXXX. I had an ongoing dispute against Bridgecrest Financial. I reviewed my account with Bridgecrest Financial on their app yesterday to find out they have not been taking out my car note payments biweekly per my request. They did not take out any payments since XXXX. I had budgeted for them to take out {$350.00} biweekly. They claimed payment was returned by my financial institution. My bank is very diligent when it comes to my account. They always notify me if theres an issue with transactions via email or by phone. I didnt receive any correspondence regarding issues with Bridgecrest Financial. Now they have added an additional {$2500.00} to my account. The car has approximately XXXX miles on it and all payments made thus far have not been applied to the account. So they have been receiving free money for XXXX months blocking me from getting a brand new car because they have ruined my credit tremendously. I have no options on getting out of this vehicle because the XXXX XXXX book offer now is at {$9000.00} and Bridgecrest still have my account sitting at {$55000.00} where it was at the time of purchase in XXXX. I do not understand why they are still in business with this type of practice bleeding consumers like myself dry under the impression they we are only working for them and that we have no other obligations. Any other company that practice this type of behavior with consumers would have been shut down a long time ago. Please stop allowing this company take advantage of good consumers like me. Meanwhile, I will continue to pray to XXXX that Bridgecrest Financial be removed from business and that I get a better deal with the next car I purchase. Trust me it will not be financed through Bridgecrest Financial period. If you have any questions or concerns please feel free to contact me at XXXX or email at XXXX. Thanking you in advance for your assistance. 


Sincerely, XXXX XXXX XXXX consumer
Product: Credit card or prepaid card

I have/had a Visa account with Barclays Bank Delaware since 2009. I have met all of my obligations and have had paid their ridiculous interest rates without complaint. Last fall and this spring they notified me that my account was switching over to a MasterCard account. I did not, nor do I want that to happen. I have business accounts that only take Visa and this is the only Visa account that I have. 
I called Barclays customer service line and explained my issue to several different people. The last being a " manager '' named XXXX  I asked to have my newly switched MasterCard account reverted back to Visa and they said they could not do that due to some cancellation of an agreement with XXXX, XXXX. Furthermore, if I wanted to pursue " opening '' a Visa account I would have to apply for it. 
My position is - I already have an account with them through Visa. Applying for a new one would affect my credit score. XXXX  agreed with me saying it wasn't fair, but still couldn't do anything about it. 
How is a worldwide bank able to switch affiliations with creditors and require that their customers re-apply for credit even though they currently have an open account? They are compounding personal credit issues, which are already beyond comprehension in this country, because of some " agreement '' they have with certain creditors. Seems unfair that I, and I'm guessing several thousands of Americans, are being treated this way and all we can do is take our credit score down by " applying '' for something we already have. The only option that I had was to close the account .... 
XXXX Bless the American Dream! But only if you're an international bank who can XXXX on those dreams of everyday Americans!
Product: Payday loan, title loan, or personal loan

This is my second complaint. 
They never addressed the issue that they violated my personal privacy by telling my ex husband whom I'm in the process of a divorce with everything about a check sent in the mail. 
It was all relayed to him in turn he told his attorney about this information. 
They clearly violated my privacy buy telling my personal information to somone other than myself especially someone fighting me with a divorce. 
I called and asked why they did that and the lady said she would have a meeting about discussing personal matters. But clearly that is the least of their worries. 
They are denying it when I have proof from my ex husband and his attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to remove the inaccurate information on my credit file. I have been disputing those accounts since 2018. I was never late on those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sold your information to a third-party. You have been trying to work with them so they can take the information off my credit. Some of the stuff that is on my credit is not even mine so Ive been working with them to remove it, and nothing has been done, but they sold my information to a third-party.
Product: Mortgage

Unpaid Property Taxes This is a continuation of Problems with Fay Servicing LLC Reference 2 other filed complaints 1. Breach of Contract CFPB complaint number XXXX 2. XXXX  Flood Insurance CFPB complaint number XXXX Fay Servicing LLC either bought my loan or took over servicing it. Beginning in XX/XX/XXXX. There are 3 parcels included in this loan and has been in effect since XXXX. I will, Identify each with the last 2 digits of the parcel number. 
I have received several delinquent notices from XXXX XXXX Treasurer office, stating that if the past due Taxes are not paid my property will be deeded to XXXX XXXX and sold at tax auction. 3 of the unpaid notices included as attachments. More available The problems started in XX/XX/XXXX with parcel number 17. The problem includes all 3 parcels. 
I have included an Email from the XXXX XXXX Treasurers Office which shows all activity on all 3 parcels broke down by year and quarter. For the tax years of XXXX and XXXX. E-mail 3 pages included as attachment. 
I met with the deputy Treasurer and ask her to print out a parcel information report for each year, for each parcel. 6 parcel reports included as attachments. 
I contacted Fay each time I received a notice to try to have them correct the problem. There was more than enough Escrow Funds to cover these payments. I was under the impression that they collected Escrow Account funds for this purpose. 
I paid the past due taxes in full for the XXXX tax year XX/XX/XXXX and notified Fay to cancel my Escrow Account as they were incapable of handling what was required of them. Fays reply was that I could not do that. 2 Receipts included as attachments. 
Then in XXXX XXXX XXXX contacted me again and informed me there was {$290.00} in penalties and interest still owed. I paid these in full XX/XX/XXXX. Receipt included as attachments. 
The {$290.00} for penalties and interest needs to be refunded to me in full. The problem lies with the negligence and incompetence of Fay Servicing LLC.
Product: Credit reporting, credit repair services, 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/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: Mortgage

XX/XX/XXXX phh makes a incorrect insurance payment of {$3400.00} on a policy set to expire on XXXX 45 days in advance. 

Made a payment XX/XX/XXXX on new insurance XXXX. 

Provide updated tax numbers XX/XX/XXXX due to their incorrect numbers by over XXXX XXXX 

They state they will attempt to fix this but now my escrow is showing underfunded. I was contacted the last week of XXXX stating it was fixed. I get the cancelled insurance payment back and have to pay this back which is fine but Im charged {$15.00} fee in the process. This fee is erroneous as their error does not constitute a fee on my part. 


On XX/XX/XXXX they make an insurance payment for XXXX XXXX  for the county. The count bill is XXXX XXXX This is post them informing me they have corrected the error. 

They still have 2 more tax payments to make, city and school, which I expect to also be gross overpayments which will result is a higher mortgage like what happened in XXXX. 

My mortgage payment went from XXXXXXXX XXXX XXXX for all of XXXX and they did not provide me the 30 days to correct this issue. Now they have overpaid for a tax and unneeded insurance which has resulted in underfunding and fees on my side which are unethical. If this is happening to me, I suspect it is happening to many of holders.
Product: Credit card or prepaid card

1. Received an offer from American Express for XXXX MR pts offered in two tranches : First by spending {$5000.00}, I could receive XXXX pts and then by spending another {$5000.00}, I could receive another XXXX pts. 
2. Clicked through the email offer in XX/XX/2019 but the offer link from the email took me to a page that wouldn't load ( just plain white ) 3. I called in to Amex customer service hotline to inquire about this offer. The associate told me that even though she was not able to view the offer on the website that she sees the email has been sent to me in the past and they would honor the offer. 
4. The associate signed me up for the Amex Business Platinum Card with another offer but said she would put in my customer notes that she has  promised me that I would receive the offer I had through email. 
5. After hitting the spend threshold for both tranches I have yet to receive the XXXX for the second tranch. 
6. Called in over 5 times to Amex customer service and had 2 " investigations '' done yielding no results. I was apparently contacted by Amex but I did not receive a message.
Product: Vehicle loan or lease

According to XXXX XXXX I had good odds of getting my car loan refinanced with a company called upstart. On XX/XX/2023 after a soft pull I was given a quote and they asked to do a hard pull at that point. What they didn't tell me was they had mileage and usage limitations. I wasted my time and damaged my credit score.
Product: Money transfer, virtual currency, or money service

I am filling 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 regulations e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 reporting, credit repair services, or other personal consumer reports

I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.
Product: Credit reporting or other personal consumer reports

Hi, I have noticed that there were several unauthorized inquiries on my credit report. The unauthorized inquiries were : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I DO NOT RECOGNIZE THESE INQUIRIES. THESE WERE UNATHORIZED.
Product: Checking or savings account

Was apply for a work from job XXXX XXXX on XXXX turn out to be a scam. This company sent me a Check for XXXX on XX/XX/year> to purchased software for the equipment which I never received. XXXX the check through my bank Truist on XX/XX/year>. The job ask me use my XXXX I said no or go to XXXX get gift cards to purchase the software went XXXX purchased the card. The next day my bank account was in the negative balance of {$1.00} XXXX try chatting back with the job they ask for a screenshot then stop communicating with me call the bank to report the problem they filed a claim then they denied the claim holding me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 FTC report with inquiries I did not authorize
Product: Money transfer, virtual currency, or money service

I have been looking for a job opportunity as I have been unemployed. On XX/XX/2022, I received an email from XXXX of a job opportunity that looked promising. The position looked legitimate from the job description ; I applied on the same day. On XX/XX/2022, I received an invitation for an interview with a XXXX hiring manager and I conducted that interview remotely the same day. I asked for time to review the job offer and ask questions, to which the hiring manager obliged. 

I received the job offer by email on XX/XX/2022 and was able to ask questions via email. They answered appropriately. I thought that I found a good XXXX XXXX position ; but, looking back on it, the job was too good to be true. Between XX/XX/2022 and XX/XX/2022, I was given checks from XXXX ( 1 deposited physically and 4 to mobile deposit into my checking account at Citizens Bank, of whom I have been a loyal customer for over 20 years ) ; and, I was instructed by CardConnect hiring department employees to use these checks for payments toward a work laptop, software, and office set-up. Five of these payments were instructed to be done via XXXX for a total of {$5000.00} sent via XXXX : on XX/XX/2022, {$1000.00} was instructed to be sent ( image attached is associated with this transaction ) ; XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent. 

Unfortunately, on XX/XX/2022, I recognized that my bank gradually returned the deposited XXXX checks. So, effectively, my own funds were used. On XX/XX/2022 and XX/XX/2022, I tried to ask XXXX to reimburse me, but they gave me the run around and not paid me back. Following my late realization, on XX/XX/2022, I filed a report with my local police precinct and submitted a claim about these XXXX transactions with Citizens Bank. My local police precinct deems this entire situation as fraud and is investigating as such ; Citizens Bank should do the same. I also filed a report with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX balance XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed dispute language from my credit report. It says dispute resolved, customer disagrees. I want this language removed, because I stopped disputing these late payments months ago after a representative explained how they appeared on my credit report. Please remove all dispute language from the remarks on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Relentless calls at my workplace. No information characterization of any specific debt. Just screeching sounds. Every time I need to go back and look at my credit reports to see if any debt appears. This takes a lot of time. The calls come from CCS ( XXXX ) XXXX XXXX. I have written letters and all they did was write back telling me they need more information on the debt but there is not information in screeching calls.
Product: Student loan

A company took advantage of me and my information that is not in any regards to my loan people
Product: Money transfer, virtual currency, or money service

I am filling 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 redress for these violations.
Product: Debt collection

I was contacted by a debt owed. I paid the amount they stated after written notice was recieve in the mail. The representative stated it would not be reported tot he credit bureaus if I made immediate payment, so I made payment as soon as I received an official notice in the mail. After checking my credit statement, I have found they did in face report to all three credit bureaus and even left the mark " Settle from less than owed ''. The original debt is marked as XX/XX/XXXX and I was contacted by them in XXX of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).