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

On XX/XX/2019, Home Depot fraudulently re-charged my card for {$9000.00} ( which is more than the original charge ) for an installation of the wrong windows which occurred in XX/XX/2019. As Home Depot breached the contract by installing the wrong windows, an agreement was put in place in writing that they would refund me the cash already paid by XX/XX/2019, as well as cleaning up the Home Depot 24 month interest free card which was part of the deal. The card was not cleaned up and the money was not refunded by the date of the agreement. However, the credit card worked with me to get Home Depot to clean it up, and refund the money already paid. The card was at XXXX. However, additional damages were incurred due to the time delay, as the price of the replacement windows to obtain specific performance Home Depot could not provide went up in price by {$2400.00} due to new price changes at year end. 

As Home Depot had breached not only the original contract, but the settlement agreement, I then issued a claim with XXXX as against the performance bond on the project. 

Then Home Depot unlawfully falsified a settlement agreement, which I did not sign, by taking the signature off of the document I did sign ( all of which was handled via e-mail with an extensive e-mail trail proving the identify of the real document ), and passed it off as the document I signed, attempting to strong arm me to relinquish claims to the performance bond. 

I have no responsibility to relinquish such claims as Home Depot breached the agreement. 

So, Home Depot, after misrepresenting a fraudulent document, via mail and wire fraud, then rebilled their subcontracted CitiBank Home Depot Credit Card company for {$9000.00} ( which is more than the original amount ), and then attempted to collect. 

I have put a credit freeze, reported the card stolen per the recommendation of Citi, and closed the account. However, these unlawful actions have severely hurt my credit, as I now appear to be overextended on my financial obligations, given a new loan was already put in place for the new replacement windows, as the credit card account with Home Depot had finally been cleaned up. However, with the addition of this charge, I am now in immediate credit alert status for charging over {$20000.00} simultaneously. My perfect credit may be virtually trashed. 

I am reporting the attorney, one XXXX XXXX of XXXX Georgia to both the Georgia and New York Bar Associations for fraud and misrepresentation of material fact, and will also be seeking criminal charges with the local DA 's office. I need a flag on this large purchase and am attempting to secure this with the 3 credit agencies.
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. The following item does not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX I attempted to contact Experian twice to dispute these accounts, one letter dated XX/XX/2021 and the second one dated XX/XX/2021. However, I was never provided with any logical explanation or proper validation. 

Please reinvestigate and remove these accounts immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 around XXXX, my credit was ran for american express twice
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, I advised XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  - Account XXXX  : XXXX XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXXI - Account XXXX XXXX XXXX XXXX XXXX Account # : - XXXX. 

However, the credit agencies all stated everything was complete, and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also another violation is 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Venmo froze my account when I reported unauthorized transactions a few months ago I don't know the exact date they told me I had to prove my identity to unfreeze my account so Friday XX/XX/XXXX I think Friday was the XXXX I finally got my ID I sent in a picture of my ID with a selfie of me holding it like they asked me to and I got an email back saying my account was permanently deactivated and they were keeping my funds for 180 days how do I get punished for somebody hacking their system and stealing my money and they did an investigation and in the investigation they found that there was unauthorized transactions I just want my money out of the account and they can close it I want nothing else to do with that account except for I want my money that belongs to me there's {$600.00} in my account that's a lot of money to just let someone take and not do nothing about I'm being evicted because I told my landlord as soon as I got my ID I would be able to get to the funds to pay my rent I'm 3 months behind he was going to let me pay that {$600.00} and now I have to move because venmo won't give me my money and I don't have the money to move now I'm going to be on the streets because of venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX account # XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am fighting 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 fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution 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: Mortgage

I have owned my home for about 10 years now and I have paid many designated principle only payments above my required monthly payments. On XX/XX/XXXX I reached out to my mortgage company and requested that they send me an updated amortization schedule so that I could see how much my extra principle payments have effected the repayment of my loan. On XX/XX/XXXX They sent me back a letter stating that they are unable to provide this information. I then called the servicing company on a recorded call and requested if they could at least provide me with an updated final payment date that factored in the additional principle payments they have received. They responded by saying that this also could not be provided. I'm making these extra principle payments to shorten the life of this 30 year mortgage, but if the mortgage Servicer can not tell me how my extra payments are affecting the life of my mortgage, than I'm concerned that they aren't even applying the payments properly. I'm afraid of them over collecting and cheating me of my extra payments in the end. I don't want to wait 20 years to find out. I should be entitled to knowing how my payments are affecting the length of mortgage term.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing me two different versions of my credit report. I ordered a 7-day trial of the Equifax XXXX XXXX XXXX which shows me all three bureau reports and scores. I have attached images of what the 3-bureau report is showing me for inquiries, addresses and several other accounts. I then attached images of what the stand-alone Equifax report is showing me for inquiries, addresses and other accounts. This falsification / misconception is preventing me from knowing the truth about my credit report, and if it is not corrected to my specifications, I will litigate in arbitration AGAIN.
Product: Student loan

My loans were transferred to Mohela from Fed Loan servicing. On XX/XX/XXXX I submitted an XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. After waiting XXXX months Mohela marked this form incorrectly as a duplicate. 

On XX/XX/XXXX I called and spoke with the XXXX She gets back on the phone and states oh there are XXXX payments missing I sent a request to have them applied. I responded there are XXXX  years of payments missing. Her response was oh I made a mistake. It has now been sent back to review with another XXXX  day time frame. 

Mohela is mishandling forms left and right. I should be at XXXX necessary payments and my loans should be in the process of PSLF forgiveness. Please help me.
Product: Credit reporting or other personal consumer reports

credit bureau reject to investigate and remove hard inquiries, which was posted without my authorization.
Product: Credit reporting

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX unilaterally and incorrectly reported payment of my auto history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy. This account is also showing as a collection, can you please update that information as well. The account is a lease that I am currently driving and it should not show as a derogatory or a collection. PLEASE UPDATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 90 ) to ( 120 ) days late on the ATTYGENERL partial account number XXXX. ( Please page 9 of the attached credit report. ) My child support payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

When XXXX Insurance company emailed me my auto insurance estimate, they listed a high premium according to the Consumer Report Lexis Nexis statements of being in a car accident. The incident of collision is not my fault. My attorney has evidence that the other driver has a history of running red lights. This is the contact to the case manager who handled the case of the accident XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has not did due-diligence to re-investigate my credit profile. 
Experian has allowed " XXXXXXXX XXXX XXXX XXXX access to my credit profile on multiple occasions without my consent and knowledge on dates listed below XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also XXXX XXXX XXXXXXXX was allowed to access my credit profile without my knowledge or consent on XX/XX/XXXX. 
Ive also attached an screenshot of Experian saying applied bank account # XXXX verified an address that Ive never lived at which was XXXX XXXX XXXX XXXX XXXX. Its either the company is lying about my account or experian didn't do a proper re-investigation on my credit profile which took more than 45 days to respond.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SYNCB/AMAZONPLCC continues to list an account on all three credit reporting agencies. This account is being listed with a " Past Due '' balance of {$4200.00}. However, a XXXX was issued for the same account nullifying any balance on the account. As such, the account should have a {$0.00} balance. 

Furthermore, this account has made monthly payment summary listings with a Charge Off ( CO ) since XXXXXXXX XXXX XXXX This in turn illegally re-ages the account, thereby illegally extending the statute of limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX XXXX XXXX on numerous occasions about not turning in correct information to the credit reporting companies. I have paid XXXX XXXX XXXX off and have a credit of about {$30.00}. They keep reporting that I have a balance of XXXX as of today XX/XX/23. My balance was paid 2 weeks ago. They reported to XXXX that my balance is only {$85.00}. I don't have 2 accounts with them, I only have 1, so they are attempting to keep my credit score at a minimum score by reporting one amount to 1 agency and another amount to the other company. Fraudulent reporting.
Product: Debt collection

Family members and friends received call from  XXXX  indicating that they are looking for me to serve a subpoena for a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX 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

On XX/XX/19 I placed a phone call to Key Bank customer contact center to inquire on the best way for my parents to make an extra payment to the principal only of my mortgage. I was advised to simply mail a check and make a notation to apply to the principal only. No further instructions or steps were advised. On XX/XX/19 a check for {$15000.00} was mailed to Key Bank 's mortgage payment center to be applied to my existing mortgage. A memo was written on the check specifying " extra principal only payment ''. Concerned that an individual processing the check may show a lack of attention to detail, a letter was also enclosed with the check. The letter explicitly outlined that the full amount was to be applied to the principal of the loan only. This directive was even typed in bold print. The letter also referenced the involved loan number and the most recent statement was enclosed to ensure it was applied correctly. Finally, both my phone number as well as the payee 's were provided in the letter should there be any questions. 

Upon receiving the subsequent mortgage statement in the mail, I was frustrated to discover the overly detailed and redundant instructions were not followed. The {$15000.00} payment was broken down as follows : {$10000.00} - Principal {$280.00} -- -- -- Interest {$270.00} -- -- -- Escrow {$4200.00} -- - Partial Payment ( unapplied ) On XX/XX/19 I called Key Bank customer service and spoke with XXXX ( employee XXXX ). I explained to XXXX that there has been a severe mishandling of a major payment. Unfortunately, I recall her initial response to be wow as opposed to sorry. After a 43 minute phone call, including multiple holds she advised me the issue would be corrected. XXXX provided an explanation for the mishap, stating that any payments received after a statement has been generated will automatically be applied to interest and escrow corresponding to the next months schedule. She further advised me if I want to make extra principal payments in the future, Im required to submit the payment in between a regularly scheduled payment and the time in which a statement is generated. Its needless to say, the process of making extra principal payments is about as clear as mud. As XXXX was giving me this explanation it was clear she was working for the bank, not the customer. Its simply unfair to expect customers to bear the burden of getting the issue corrected. XXXX also failed to explain what the partial payment was and why it was unapplied. 

I wholeheartedly believe the root cause of this issue isnt a simple process flaw - but an ethics flaw. The employee who processed the payment clearly acted unethically. After speaking with XXXX it also seems clear Key Bank leadership is also culpable for allowing such a mismanaged process to exist. Is this process by design to collect more interest on loans? It is with much regret this incident has made me lose faith in Key Bank. Its sad that customers are all but obligated to vigilantly double check transactions to ensure we are not taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( XXXX, TRANSUNION, and XXXX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 15 financial loss, and I seek appropriate redress for these violations.