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

On XX/XX/12 I logged in to my Chime app to which I see that my secured card account has been overdrawn. I am immediately alarmed and reach out to support to find out how this could have occurred when I have the safer credit building feature enabled on my account which is advertised as the option to use so that you dont ever have to worry about having to make a payment. Also that is operating against the initial definition of a secured credit card - one in which you are only allowed to spend the amount you have added to that card. I reached out to the chat agents including XXXX, a team lead, that stated the same thing Ive written above. My secured card account should not be overdrawn as there was no available balance to be spend on the card, as Chime has stated would need to be there for a transaction to be approved. I have attached image from my conversations with the Chime agents below.in response Chime states that maybe the transactions need to be disputed, extremely concerning considering the fact that I asked how transactions could be approved on a secured card when this card has repeatedly been advertised as a secure way to build credit. The money deposited in to said account is used to cover charges each month therefore charges should not be approved if the balance is not available. This product is being advertised in a misleading manner.
Product: Mortgage

o all FHA, VA, Brokers & Financial institutions of any type. My home is a single family home at XXXX XXXX XXXX XXXX, Ms XXXX their is one septic system, one address, one water connection, one electrical connection, one driveway Period. For some reason they want to list my home asa duplexto do something bad to my FHA Or Va mortgage. Several have questioned me often. What is going on and what is their plan?
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a complaint about my XXXX mom 's bluebird account. I received a letter on XX/XX/XXXX from the company requesting documents from me, I faxed the documents to them on XX/XX/XXXX. I then spoke with them on the same day. They told me they were going to process the check which would take 5 days and send the check out which would take 10 days. I am concerned that I have not received it yet. I spoke with a representative of the company today, and he said he can not give me any information on whether the check was sent out, I have to sit and wait here forever. It is not their money to keep. I do n't know why they wo n't talk to me, as they can not speak to my mother as she is XXXX. my CFPB Ref. No. is : XXXX Ref : XXXX
Product: Vehicle loan or lease

I have been paying on my car for 6 years now on a 5 year loan. When I pay the balance doesn't go down for months, then only goes down by a single payment. I requested payment history and it only shows the payments not the balances. There is no balance history available online or on the statements. The statements are just bills. I requested balance history but didn't receive it so I have requested it again. I want to know how my interest is calculated, how my payments are calculated, and my balance before and after payment. I have been trying to get all the info I need for 3 months. I am pretty sure I should be paid off by now. I want to know where my money went.
Product: Debt collection

This debt was paid and letter provided for agreement to delete. Account has not been deleted.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX Account Number : XXXX
Product: Mortgage

We have been working with the Mortgage company for over a year with this same problem The Mortgage company continues to report missing months of payments. We have sent documents to provide proof of payments made and received by this company. 
They have sent default letters and return payments back to us, stating we are 90 days overdue. We asked in certified mail to send us confirmation of proof we are behind. We have never gotten a response with this information requested. They have add insurance cost to the mortgage payments. We have provided documentation from the insurance company with proof of insurance on this property. They continue to overlook all the efforts we tried to handle it between us I feel it time to contract or try another way to get this problem corrected. I am open for advise on how or what we need to do so e can end this matter. False information is been reported to Credit Bureau and need to be corrected on our Monthly Statements also. All we are asking is to provide information confirming missing payment, because our records do not show anything missing. ( payments nor insurance ).
Product: Debt collection

I only used XXXX once and returned everything I bought using it. The company will not leave me alone and continues to mail me bills saying I owe them debt. I do not owe them anything as I have never used XXXX since I returned all of the items. I would appreciate if Midland Credit Management would stop mailing me bills saying I owe them money.
Product: Credit card

In 2013 I had signed up for Paypal Bill me Later, then 2 months after applying and having the credit, I moved, and a few months later I get a phone call from Paypal saying that I " accidentally '' opened up XXXX accounts and that I must of done it by accident. When I moved I was still able to change my mailing address and purchase items. I dont know how the XXXX credit opened up. I would not have opened up XXXX credit cards with bill me later it doesnt make any sense, but they said it was done by accident and I still had to pay the late fees ( which I was never contacted about through mail ). When paypal called me telling me how much I owed they said they would help me by making the bill lower since I had opened the account by " accident ''. I paid whay they told me to pay just because I didnt want to have bad credit. Im not even sure if they closed that account up but I still have my originial account open which I use regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$9500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$480.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$840.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX .    XXXX , TX  XXXX  Ditech Mortgage Account #  XXXX  Dispute I am having problems of mismanagement, fraud, and harassment from Ditech Financial LLC in regard to Mortgage Account #  XXXX .   We used to have our mortgage wit h Ditech Financial,  and in  XXXX   XXXX , we refinanced our mortgage from Ditech to another lender ( initially  XXXX   XXXX   XXXX , which then transferred it to  XXXX   XXXX   ).  At the time, we were provided a payoff, which was fully paid, and the refinancing was completed.   Soon after that, in  XXXX   XXXX , Ditech contacted us saying they had done an error in their calculation of the payoff. They had applied {$1800.00} as part of a Federal program to my account in error and they needed me to pay this amount back. I agreed to pay this and close the account.   Howeve r, Ditech de cided to keep my mortgage ( with a principal balance that sometimes states {$0.00}, and others {$1400.00}  ),  as well as the related escrow account, open so now it seems I have  XXXX  mortgages on my house. Also, Ditech started to pay through the escrow for Hazard insurance on my house,  and county tax es, which were at the same time being paid by my current mortgage company,  XXXX   XXXX .   And now Ditech wants me to pay them more than {$10000.00} to cover the payments that they made in error. So, they started with a small error of {$1800.00}, and continued to do more errors to more than {$10000.00}. They are demanding I pay these amounts, harassing me on the phone to pay them, lowering my  credit score a nd making it more difficult for me to get a car loan.   I made several payments to cover the initial {$1800.00} I agreed to pay, b ut Ditech, for some reason, keeps my payments in suspense and doesnt apply them to my account.    I am attaching several statements from Ditech, and from my current mortgage company,  XXXX , providing more information.     I have communicated on the phone several times with Ditech customer service. I was given different and contradictory information on many occasions. I was also told that they will investigate my account and solve the problem, but never got back to me.   The latest example of this irresponsible behavior was my phone conversation in  XXXX  with the Ditech supervisor  XXXX   XXXX   ( Extension  #  XXXX   ).  He noticed the irregularities in the Ditech handling of my account, and he promised he will investigate this and call me back. We even scheduled a time when he was going to call me and clarify things but he never called again.   I dont know what to do about this. I am pleading for your agency to help me with this case of I believe is mismanagement, fraud and harassment.    XXXX ,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate and misleading reporting of a XXXX XXXX collection account on my credit report. Despite my diligent efforts to resolve this matter, XXXX XXXX continues to report this account as " Open '' and in " Collection, '' with an incorrect open date of XX/XX/XXXX. I have sent certified letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, both of which were met with insufficient responses claiming the account is reporting accurately. However, this response is not only incorrect but also a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. Additionally, despite my numerous attempts to dispute this account over the past year, no remark has been added to my credit report as required by the FCRA. The continued inaccurate reporting and failure to address my disputes violate my rights under the FCRA and constitute an ongoing harm to my creditworthiness and financial reputation.
Product: Credit reporting or other personal consumer reports

I found these inquiries on my credit report and I did not make them nor did I authorize them! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX XXXX. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, CashApp 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: Money transfer, virtual currency, or money service

In the end of XXXX, I was targeted by scammers who had my information and tricked and deceived me out of my tax returns money in the year XXXX. In the previous years I was targeted again by scammers who had entered my account accounts and transferred money into different accounts. I was also targeted into schemes where the scammers had enough information about me they would pretend to give me a job and then asked me to invest in to my job bye purchasing XXXX and to deposit into their company XXXX XXXX in order to start working and then stop responding. My data has been compromised and leak. The Scammer Targeted me so much it resulted in me having to file bankruptcy for my company. 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 proce 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
Product: Credit card or prepaid card

I have been a Citi credit card holder since 2009 and have always paid my balance in full. I have not been late for any payments and have an excellent credit score. When I tried using my card couple days ago, my transaction was declined. I ignored it as i thought it may have been due to some fraud policy. But it happened yet again, and then when I checked my online banking account, I noticed that my credit card account has been closed. I received no letter about this and also no reason for closure seems to make sense here. When I called the customer service center to learn about my closure reasons, I was told that I will have to write a letter to a certain address and they can give me more details. The least of all Citi could have given me information on the phone as to why my card was closed. I wonder if this was due to an error in their system? I see no reason why an active credit card, with no payment defaults was closed. Additionally I had recurring payments setup on the card which will now need to be transferred over to another card.
Product: Credit card

30 plus charges keep showing up on my credit card statement. I've disputed 5 times now. I'm in a loop where they keep coming back but no proof that they are my legit charges. Customer service is very poor and employees only read scripts of what they can do .... start another dispute. I've asked for someone in upper management, but they can not give me anyone else to help. I've given them information about the company that anyone can look up about utrtin.com. XXXX them and only the website comes up ( but it's down today ) ... type in " XXXX XXXX  '' and you see a couple pages saying it's not high on their " trust '' meter as a trustable website ( the 2nd website is in another language ). There is no other website that you can type in google and not get XXXX results.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) IN general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX : XXXX XXXX XXXX  {$2200.00} Account info XXXX Account charge off Date opened XX/XX/XXXX XXXX {$560.00} Account info XXXX Closed written off Date opened XX/XX/XXXX XXXX XXXX XXXX {$5800.00} Account info XXXX Account charge off Date opened XX/XX/XXXX XXXX  XXXX XXXX {$700.00} Account info XXXXXXXX XXXX XXXX XXXX XXXX Account info XXXX Paid in settlement Date opened XXXX XXXX, XXXX Equifax : XXXX {$300.00} Account XXXX XXXX XXXX off Date opened XX/XX/XXXX XXXX  XXXX XXXX {$700.00} Account info XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$5800.00} Account info XXXX Account charge off Date opened XX/XX/XXXX XXXX XXXX XXXX {$2200.00} Account info XXXX Closed/charge-off Date opened XX/XX/XXXX XXXX : XXXX {$1100.00} Account XXXX XXXX Closed/charge-off Date opened XX/XX/XXXX XXXX {$700.00} Account info XXXX Closed/charge-off Date opened XXXX XXXX XXXX XXXX XXXX  {$5800.00} Account info XXXX Closed/charge-off Date opened XX/XX/XXXX XXXX XXXX XXXX  {$0.00} Account info XXXX Closed/charge-off/collections Date opened XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$2200.00} Account info XXXX Closed/charge-off Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Asurint illegally gave out my info without written consent, also stored my information without my consent. Asurint used my info without my written consent which is identity theft. I am a federal protected consumer and Asurint have committed fraud, and also caused me pain and suffering.
Product: Debt collection

I was not properly notified of this debt and it was illegally placed on my credit report without a chance for me to dispute it.
Product: Money transfer, virtual currency, or money service

I sent a XXXX payment to the wrong person and i just lost out on my money because they said once its sent it can be retrieved
Product: Money transfer, virtual currency, or money service

I want to close my Paypal account. I had a dispute over a charge on my account and was not able to resolve it with Paypal. I talked to them and was told that they could not close my account because of a complaint that I filed. They denied the complaint. I do not owe them any money. I took my Bank Account off and tried to cancel the credit card I have on file. I can not get it done online and their site is very confusing. I hope you may be able to help with this issue. I no longer trust Paypal and do not want to do business with them. I see no reason why they will not let me cancel the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00}.
Product: Credit reporting or other personal consumer reports

In my divorce decree my ex husband was responsible for paying the debt of our citi card I have sent in our divorce decree asked for the creditor to be removed all they did was changed to charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the XXXX breach, I am putting a Security Freeze on each of the three credit reporting services. I have not been able to get through the process to set up a Security Freeze on EXPERIAN. The web site takes all the information and then says it ca n't be done on line. I 'm directed to assemble and provide a list of information to the Experian web site at experian.com/XXXX. The web site will not accept this request since I do n't have a report number. I 've obtained a phone number for establishing a Security Freeze : XXXX. But this line is always either busy or it goes dead. Clearly Experian only wants to sell a service with a monthly charge, not set up a cheap Security Freeze. I am concerned about Identity Theft from the breach.