23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX Lendee called Ditech, the lendor to inquire on balance owed. representative from lendor gave a figure of {$2800.00} and explained that as of XXXX a new lendor would have the loan and to make to sure to call the new lendor to obtain loan account # and ways to pay. 
XXXX a statement was received from Ditech by lendee showing a balance of {$10000.00} in which {$5800.00} was supposedly escrow balance. 

the monthly payment amount since conception of loan was {$610.00}, taxes and insurance were never escrowed. 

lendee was not in default on taxes, there were 3 total paid by lendor. however it was not a necessity because lendee paid taxes via a payment plan with the county and has done so for the past 12 years. lendee was not nor has been in default for county/land/school taxes. 

XX/XX/2020, Lendee sent a letter to lendor requesting a breakdown of all charges, paid, unpaid, dates and who was paid on lendees behalf, lendee requested the information be put in a way that could be understood by common folk. lendee received a loan history summary about 60 days later. The summary was too complex to be understood. It was what is internally used by folks who know the codes for mortgages etc. 

lendee sent another on XXXX letter to lendor and the lendors attorney requesting the same information again and again requesting it be written in a way that could be understood. over 60 days later once again, lendor sent to lendee another coded internal payment summary. 

from XX/XX/2020 to XX/XX/2020 Lendee sent a total of {$19000.00} reiterating that on XXXX Lendor stated the total balance owed to that date was {$10000.00} then taking into consideration the normal mortgage payment of {$610.00} x 8 months would be a total of {$4900.00}. Since the lendor paid taxes and now forced us into an escrow payment that amount would only be {$160.00} making a total monthly payment of {$780.00}. the lendor was attempting to charge a monthly payment of {$1500.00} to pay up the escrow, pay current charges and future charges. 
Lendee paid $ XXXX in 8 months. lendee stated the total due was {$10000.00}. 8 months of regular mortgage bill and escrow charges for future escrow payments should have been {$780.00} ( total taxes per year is {$1900.00} ) making that a total of {$6200.00}. 
{$6200.00} + $ XXXX {$16000.00} $ XXXX $ XXXX - {$2700.00} ( overpayment to lendor ) lendee also is inaccurately stated that they had to force insurance on lendee due to not having home owners insurance. lendee has sent proof of such many times to lendor. Matter of fact the binder of the XXXX insurance sends the proof to lendor each time as well. therefore lendor forced lendee to pay insurance in which is part of said escrow amount as well, according to the lendee. This is a enormous mistake on lendor part and is one of the several inaccuracies that has caused the lendee to now worry about losing the only home they have. 

lendee stopped accepting payments as of XX/XX/2020 and started the forclosure proceedings.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : {$3000.00}
Product: Credit reporting or other personal consumer reports

I recently discovered an inquiry on my credit report that I do not recognize or recall authorizing. I never applied for credit with this company, nor did I give them permission to access my report. This unexpected and unauthorized inquiry is causing me stress and concern about how and why it happened.
Product: Debt collection

company constantly calls from unknown number. I have sent letter to prove the debt is mine. Also this company is reporting to my credit report twice and inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am filing a formal complaint against Cash App, operated by Block , Inc., for inadequate customer service and unfair business practices that have violated the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E. Cash Apps actions ( or inactions ) have caused me significant financial harm, as well as unnecessary frustration and inconvenience.

Details of the Complaint : Failure to Prevent and Address Fraud : My Cash App account was compromised, leaving me vulnerable to unauthorized transactions. Despite my attempts to contact Cash App for assistance, the company failed to provide timely and effective measures to protect my account or recover my funds. Their platform appears to lack the robust fraud prevention systems necessary to ensure account security.

Unfair and Deceptive Dispute Resolution Practices : When I reported unauthorized transactions and disputed them, Cash Apps dispute resolution process was unfair and deceptive. They did not follow the appropriate error resolution procedures as required under Regulation E and the Electronic Fund Transfer Act ( EFTA ), which mandate that financial institutions investigate disputes promptly and provide a clear resolution within specified timeframes.

Specifically : Cash App failed to acknowledge my dispute in a timely manner.

They provided inadequate or no information about the status or outcome of their investigation.

They refused to reimburse me for unauthorized transactions despite providing evidence that the charges were fraudulent.

Violations of Consumer Protection Laws : Violation of Regulation E ( 12 CFR 1005 ) : Under Regulation E, financial institutions are required to investigate unauthorized electronic fund transfers ( EFTs ) and provide provisional credit if the investigation can not be resolved within 10 business days. Cash App did not comply with these requirements.

Violation of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). Cash Apps lack of transparency, refusal to provide adequate customer service, and failure to protect its users from fraud are unfair and deceptive practices under this law.

Impact on Me : Cash Apps actions have caused me : Financial Loss : Due to unauthorized transactions that were not resolved or refunded.

Emotional Distress : The inadequate support and resolution process have caused significant frustration and stress.

Inconvenience : I was forced to spend countless hours trying to resolve the issue with little to no assistance from Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent outsourcing been reporting an inaccurate account And I ask previously to prove this account And provide information which they fail to do so
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/2024 i made XXXX XXXX transactions via my Bank of America account number XXXX. The transactions are as follows : XXXX. XXXX {$1.00} to XXXX XXXX XXXX XXXX ) with confirmation number : XXXX XXXX. XX/XX/2024 - {$3400.00} to XXXX XXXX ( XXXX ) with confirmation number XXXX XXXX. XX/XX/2024 - {$3500.00} to XXXX XXXX ( XXXX with confirmation number - XXXX A total of XXXX XXXX dollars was transmitted for scholarship, visa and servis fees to XXXX XXXX using my bank of America account for family members to attend university. It turned out to be a scam and fraud. i have submitted a claim with Bank of America with claim # XXXX. 
In order to file a claim also to XXXX ; I was required by XXXX to include a Payment ID # for each transaction. I called and visited Bank of America location in XXXX XXXX, and they helped me call bank of America XXXX XXXX several times they refused to provide me with the Payment ID which XXXX said should be provided by my financial institution. I did similar transaction with XXXX XXXX in XXXX XXXXXXXX, and they provided Payment IDs for all transactions, but Bank of America refused to provide Payment IDs. It appears to me that bank of America is enabling XXXX to continue to defraud the public. I am kindly requesting that you request for a full refund of my money and also investigate Bank of America 's unhealthy relationship with XXXX that they are using to defraud the public. I need all the payment IDs of all transactions to submit Bank of America Claim with XXXX also although i have submitted a claim with bank of America. 
Futher to this i have submitted with FBI internet unit Submission ID : XXXX Federal Trade commission XXXX Number XXXX XXXX XXXX XXXX XXXX  Police with Report Number : XXXX.
Product: Credit card or prepaid card

I received a letter in the mail from pay pal that my account could not be approved because they couldn't verify identity. Not a company I've used at all, and then I got a notice today that a new address in California was added to my credit file. This isn't me. I called the number on the notice, but it required my social and I didn't trust doing that, and then got disconnected with no other options. I called XXXX  and got disconnected while trying to freeze my credit file and add fraud protection. 
Essentially, who ever is trying to use my credit has succeeded and a new account has impacted my credit. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Student loan

i got out of school in XXXX  when this company was still sallie mae. My month to month payment have been {$370.00}. They are now over {$400.00}, and with the interest rates rising continuously i am never going to get out of this. They want my parents house as collateral. no bank will touch the dam thing and Ive been threw two bankruptcies due to there people. the interest rate is over 13.5 %. I have contacted them many times about other options or lower payment and they wont budge. What Ive paid in interest and on the loan should have had it paid off already.
Product: Debt collection

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I ordered some signs from XXXX XXXX. When I realized they charged per item, I sent the signs back through the mail and they credited me back. I kept receiving bills from them and I would call and they would say I do not owe anything. They have turned it over to a collection agency Radius Global Solutions LLC. I have also notified them that I do not owe anything.
Product: Credit card

In XXXX XXXX, I paid my Prosper credit card off. In XX/XX/year>, my card was hacked. I called the Prosper customer service number and they finally gave me the number to call the Prosper Fraud Department. Upon their ( fraud ) completion they did in fact said it was fraud. 

I then was charged by Prosper a {$39.00} fee for a credit card which was deemed fraudulent. I ended up paying the {$39.00} fee due to Prosper since they were putting later charges on my credit files/
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a complaint to the credit company regarding incorrect information on my credit report. I have yet to receive a proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of these bankruptcies ( below ) on my XXXX  credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. XXXX refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with XXXX which documentation of said information by the Court is attached.
Product: Credit card

I had not used my Citi credit card since XX/XX/XXXX. In the time since XX/XX/XXXX, I was issued a new card ; however I never activated the card. Nevertheless, an unauthorized charge was made on my card without my knowledge in XX/XX/XXXX. Following receiving a notice that I had a delinquent balance in XX/XX/XXXX, I inquired about the balance with Citi and disputed it. Citi found in my favor on the dispute and reversed the charges including late fees and interest in XX/XX/XXXX. However, in XX/XX/XXXX I discovered that they had reported negative information in my credit report. I called Citi again to fix the issue, and they apologized and told me they would get the reporting fixed and I would receive notice in 5-7 days when it was complete. I simultaneously disputed the negative information with the reporting agencies. Over a month passed, I received no update from Citi ; however the credit reporting agencies noted that Citi had indicated that the negative information was in fact accurate. I called Citi again to try to remedy the situation. The first customer service representative was apologetic and told me that it looked like it had gotten lost in bureaucracy, but that she would get her manager to help. The manager was very rude, indicated that I did not deserve any notice of their actions regarding fixing their credit reporting despite the promises previously made, and also indicated that the charge was in fact authorized and proper despite Citi 's previous finding in my favor and that the card was not even activated. While I have not incurred any actual losses yet ; my credit score dropped by about XXXX points, which is concerning because I am trying to buy a house and secure a mortgage. 

The supporting documents attached show that my last activity was in XX/XX/XXXX, no payments were made recently, but the balances were cleared, the negative information in all credit reports, and the results of my initial dispute with Citi in which Citi found in my favor.
Product: Money transfer, virtual currency, or money service

I have been trying to make a transfer from my bank account to another person using XXXX. my underlying bank account is at PNC. PNC would allow me to transfer money FROM XXXX to myself, but will NOT let me transfer from my account to another person. In other words, PNC is fine using the app to take more money, but is not fine using the app to allow me to transfer money. 

This has been going on since last week, and is inhibiting me from paying rent, utilities and other local vendors. I have called, emailed and XXXX   PNC and aside from telling me to re-verifying my account, they have told me they are unable to help. XXXX places the blame squarely at PNC. Further, there are a number of articles suggesting that this issue has been going on since 2019, and it is a way for PNC to steer people to its own proprietary platform. 

I can't seem to get my bank to help me, and especially with the branches closed due to COVID, they are essentially holding my money hostage.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was XXXX XXXX XXXX  while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXXXXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a letter regarding inaccurate and incomplete items that are illegally being furnished on my consumer report and still have yet to receive any response from the person allowing these errors. Clearly my disputes are being ignored and not only is that unacceptable but Ive been studying consumer law and these actions are prohibited! One of the federal laws clearly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Plus, there is another federal law they broke that says if these consumer reporting agencies dont have written instructions given by me theyre not suppose to report it anyway. Without my written instructions it is by law supposed to be excluded, which is grounds for deletion because that makes it incomplete not to mention these accounts are in fact inaccurate and I've proven that in my letter. There has been more than enough time to resolve my disputes so they should be deleted promptly immediately and indefinitely.