23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

It was around XXXX of 2024. I noticed Several unauthorized payments in the amount ( s ) of {$17.00}. Plus some change taken from my account all on the same day from a " XXXX XXXX XXXX XXXX ''. I immediately made several attempts to speak with someone from cash app support. 

When someone finally did call me back I I formed them that there were XXXX to XXXX transactions made on my cash app card on the same day, for {$17.00} plus change!! I told the person who called me from cash app support that I wished to stop payment on these transactions, but was told that most of the transactions had already gone through. 

In short, Cash app support only refunded me for 4 of the transactions, so I reached out to them again! This time, I was asked whether or not I had lost or misplaced my cash app card. I told them that I had not lost the card. So then, CashApp Support tried to persuade me to report my card lost or stolen so that they could just issue me another card! 

Now, at the time of all of these unauthorized transactions, my pay was directly deposited to the cash app card, so I monitored my card very carefully to ensure my pay was deposited on time. This was how I first discovered all of these unauthorized transactions. 

So, against my better judgement, I agreed to report my card lost./ stolen in order to receive a new card from cash app. Once the card arrives, I go to my employers payroll account in the Workday App so I can update my direct deposit information. 

I then reach out to cash app support a 3rd time to try to find out what's the result of my dispute for all the money stolen from my account. Next thing I know, the replacement card they sent me was frozen! I could no longer even use it. Only thing I could do was send money to another person! 

So I removed my funds by sending the money to someone else, and I never used cash app again since then. And they never responded about the whereabouts of my stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times have I told you that these Items are in litigation? Please delete these Items XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as they are Fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in XXXX. 

XXXX XXXX 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

After reviewing my credit report, I identified errors in my personal information that need correction. I am requesting the removal of any incorrect addresses that do not reflect my current address. Additionally, my accurate employer is XXXX XXXX XXXX XXXX, and I request the update of any inaccurate employer details on my credit report. These inaccuracies can misrepresent my credit profile, potentially causing difficulties in obtaining credit, delays in financial transactions, and unnecessary confusion. Moreover, such errors contribute to stress and anxiety, impacting both my financial and overall well-being. Ensuring accurate reporting is crucial to protecting my credit status and preventing undue disadvantages from errors beyond my control.
Product: Debt collection

I have looked upon this debt owed and it is aaying with credit report that their is nothing currently owed.
Product: Mortgage

I need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX   {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened XX/XX/XXXX
Product: Debt collection

I have repeatedly advised Midland Credit Management this debt is not mine. They have listed incorrect information on all three of my credit file. They are currently sending me letters threatening to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX certified to XXXX  a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. TransUnion and XXXX are allowing them to do it.
Product: Debt collection

This company is beyond aggressive. Comenity capital bank to be exact. They call exactly at XXXX am and repeatedly call all day and past 9/10 pm! They text constantly also! I have to them to place me on a do not call list and they call private and from 5-6 different areas codes. They are harassing me and I have been making the payments to them as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to on going complaints/investigations currently underway. As of recent,  XXXX  reports  XXXX  of  XXXX  student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in  " Charge Of f ''. In fact I have recently ( see attached ) recieved a letter from  XXXX   XXXX   (  affiliated with  XXXX  ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by  XXXX  concerning me and my Daughter,  XXXX   XXXX   XXXX . We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed ''  XXXX  reports this  XXXX  times concerning a single loan. Originally  XXXX   XXXX  checks had been issued by  XXXX  for a single school years and concerning the same time period. This does not constitute  XXXX  loans let alone  XXXX  loans late all at the same time. And at no time had any of these loans been in  " Charge off Status ''.    To date,  XXXX , has exceeded sisty days to provide copies of original documentation as demanded. Additionally,  XXXX  has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.
Product: Credit reporting or other personal consumer reports

The day before I contact you last time I told all three credit berous science they would not help me would not let me dispute I was reporting them to you. The very next day my identity was stolen an three of my credit cards hacked an maxed out. I've had all my credit cards about XXXX to XXXX years I started getting alerts from credit berous that XXXX dollars had been added to XXXX of my card balances I immediately called the card company they said the credit berou was crazy there had been no increase to my balance but the XXXX XXXX XXXX to XXXX points off my score I tried to dispute an when I clicked dispute a pop up appeared saying this information is not available rite now. Then I got alert I had just applied for XXXX XXXX XXXX  card from credit one I called XXXX min after I received card in mail to activate. Have all ways had good credit with them I was told my account had been canceled because there was activity that did not follow there family household policeys but they could not give me a direct reason. The next day I got a letter from XXXX XXXX saying account was XXXX  due to these reason the letter said gym membership online streaming subscription exctrita. I have never in my life been to a gym never in my life had anything to do with live streaming on the net but my account was canceled the berous took another XXXX to XXXX points then I tried to dispute but got pop up said this info is not avaliable rite now. Then I get alert from credit borough that XXXX of my cards has been maxed out put my card over XXXX percent of use took another XXXX points off my score I went from XXXX XXXX to XXXX in 4 days an I've not used one of my credit cards in over a month. They destroyed my credit leeked my info on purpose I sign into every one of my cards with biometrics. You tell me who beside the berous has all my info. The card that was maxed support said it was stolen identy an would not go against my credit then the next day I lost all kinda points it's obves that the credit berous have a discrimation against me for telling you they would not let me dispute untrue information on my report. They had listed on my report an took points way before I even got to my card company 's an my self an card company 's new nothing about it how did the berous know this info before card company. They told on there self an they notified card company the next day. So my credit is ruined I've not missed a payment or been late 4 years an 4 months now I'm ruined an nobody will help me with this will you please this is just dirty any way you look at it.
Product: Mortgage

I have been following up with Freedom Mortgage since XX/XX/2023 regarding a nearly {$4000.00} overcharge on my account. Although company representatives admitted to the discrepancy, they repeatedly said someone will reach out to me ) it has been nearly 3 months & no one has followed up or fixed the overcharge. I have a detailed list of emails citing the problem & request for help. Freedom Mortgage has been ignoring my requests for help with this issue for over a month, while continuing to withhold my information & overcharging me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following unauthorized inquiries be removed from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were made without my consent or authorization. 
Unauthorized Inquiries : 1. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year> 2. XXXX XXXX o Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute on XXXX XXXX regarding accounts that are reporting on my credit file as a violation. I asked them to send me proof that they had the right to report a lates payments on my file, and to send me the information that they can legally do this according to the FCRA. This is illegal. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Product: Credit card or prepaid card

I applied the Citi Prestige credit card using the link which offers XXXX thank you points after XXXX $ spend in the first 3 month on XX/XX/XXXX, and called the number XXXX to move the credit limit XXXX $ from the Citi advantage master-card to the prestige credit card, and the card got approved. I also conformed the sign up bonus which is XXXX points after XXXX $ spend in the first 3 months during the phone called. I met the XXXX spending requirement on XX/XX/XXXX, but have not received the XXXX points sign up bonus. I called the number on my card back XX/XX/XXXX and XX/XX/XXXX to find helper and the representative stated that I will not received the bonus because there was my thank you preferred credit card was closed within 24 month. Also, She stated that " Youre eligible for the sign-up bonus if you havent opened or closed a ThankYou card of any type in the last 24 months. This includes Citi Prestige,  Citi Premier and Citi Preferred cards ''. But I have never closed the thank you preferred card and never known it had closed by Citi Bank before the phone called. when I log into my Citi Bank account, the thank you preferred credit card is still showed there and there is no any small print which shows the card was closed. I have never received a letter or email from Citi bank to inform me the card was closed. Please see attached. 
If for this reason I was denied the XXXX points bonus, it sounds not fair and reasonable for me. They closed my credit card account and told me that they will not offer the sign up bonus because my one credit card account was closed.
Product: Mortgage

Hello, I purchased my first home XX/XX/XXXX  and I have had a terrible experience with my new mortgage company, Planet Home Lending. The previous owner had {$1500.00} in delinquent utilities, which were put on the 2022 tax bill, making the total tax bill {$3900.00}. My property taxes for 2022 ( without delinquent utilities ) was {$2400.00}. My mortgage company is making me pay my escrow account based on the taxes including the delinquent utilities. I have called at least 5 times to have this issue resolved, yet every time they cant seem to figure out the difference even though I can clearly see the breakdown on the XXXX of XXXX taxes website. My mortgage company is overcharging me and the last time I called, I received a notice that now my escrow account increased by {$130.00} instead of decreasing like it should. This has been such a frustrating experience. I have been fighting with this company for a couple months now. I am a XXXX  woman who pays my mortgage on my own and planet home lending is making my mortgage unaffordable. My mortgage used to be {$1400.00} ( which was already more than what it is supposed to be due to the delinquent utilities ) and now it is {$1600.00}. This is absolutely ridiculous, this has been the most unprofessional experience I have ever had. I really hope you can help because I can not afford my mortgage to be increasing due to someone else not paying their utilities.
Product: Credit card or prepaid card

n XXXX I applied for Mastercard business credit card at the Sams Club branch in XXXX. 
I got a reply from Synchrony Bank on XX/XX/XXXX ( attachment ) That my application was rejected because " My company name could not be verified '' A month later I went to the Sams club XXXX again and after checking all the data in the system I sent the application again. 
On XX/XX/XXXX I got the same answer " Unable to verify business name '' ( attachment ) I would like to add that I have a corporation Amazon 55 credit line and a JCP credit line at '' Synchrony Bank '' ( attachments ) I also have a Duns number and a credit business history in 'XXXX  XXXX  ' ( attachment ) It is not possible for a Synchrony Bank to don't finds My company name. ( everywhere My company is available on the internet. I also have several different credit cards from major American banks ) ( attachment ). 

I don't know why Bank Synchrony can't verify my name?? since I already have a credit line with them?? 
It doesn't make any sense to me. 
I talked a few times in the customer service about My case, but no one knows why and cant help Me I need to help with someone who can solve the problem.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding two collections accounts that have been reported on my credit report, as listed below : 1. Account Opened : XXXX, XXXX : {$440.00} XXXX. Account Opened : XXXX, Amount : {$1100.00} I dispute the validity of these debts and request that you provide me with validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request the following : A copy of the original signed agreement or contract. 
Proof that LVNV Funding LLC has the legal right to collect the debt. 
A detailed account of the amount owed, including a breakdown of principal, interest, fees, and any other charges. 
Any documentation that shows the chain of custody or ownership of the debt, from the original creditor to LVNV Funding LLC. 

Please note that statements or account summaries are not sufficient evidence of debt, as outlined in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 

Additionally, I demand that you cease and desist all further communication with me, including phone calls, emails, and letters, regarding these alleged debts. This request also extends to any communication through consumer reporting agencies. Under the FDCPA, you are required to honor my request for a cease and desist. 

If you continue to contact me without providing the requested validation, or if you fail to cease all communication, I will be left with no choice but to consider legal action against LVNV Funding LLC for harassment and abuse. Below is an itemized list of potential costs associated with litigation : Filing fees : {$400.00} Attorney fees : {$300.00} per hour Court costs : {$200.00} Lost wages due to court appearances : {$300.00} per day Statutory damages under FDCPA : Up to {$1000.00} per violation Emotional distress : To be determined Please respond to this letter within 30 days of receipt. Failure to provide the requested validation and to cease all communication will result in further action to protect my rights.
Product: Credit card

I opened an account with Citibank to consolidate my debt and take advantage of a 0 % rate. I set up the account and ask for no emails. 
They have started sending " hello, you have an account with us '' emails. The clerk says, if they have my email, they will be sending this email every month. 
It has no " unsubscribe '' link and she ca n't unsubscribe me either, unless she deletes my email from their data base. I want them to have my email, in case they have something of importance to say, but I wish to be left alone otherwise. 
Can you require them to leave me alone? 

Then, second, she has no way to forward a complaint to the corner office! I have to send a snail (! ) mail complaint to the following address Citibank XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I find this rude, contemptuous, and mean-spirited. 
thank you.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My identity was stolen and theyre was checking accounts opened in my name at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and now Im unable to open a real legit bank account for myself.
Product: Checking or savings account

They closed my account without any comments also charged me unneccessary overdrafts. 
I suspected illegal attivities
Product: Prepaid card

I would like to file criminal charges against the people who answers the phone for the claims department for bank of America and only them. They are the ones who's committed felonys on millions of people account. They are lieing and cheating me out y money. There latest is taking pictures of me at there bank getting money from another bank and using them on my 3 year claim and two year claim. I was told on XX/XX/2021 they had a picture of me at there bank and at that time my account was frozen and I had no card. I have the proof from EDD the day that they froze my account and it was frozen for 11 months because EDD start sending me checks at the time when they reopen my account Bank of America still had it closed so EDD started sending me checks. I have check subs from EDD. This back has 9 felony 's on my account alone and I sent Cfpb the proof of tat and you are still getting this there claims department get away with t and I would like to now why? This bank is not doing nothing they soppose to be doing that was order in there injunction by judge XXXX in XXXX XXXX and I would like to file criminal charges against only the claims department there names and addresses to send them subpoenas for court. I was informed by Bank of America that they don't have to give us their names or nothing to be suspended for court so since you're the customer financing protection bill that they pretended to be at one point can you please get their names and addresses so I can send them subpoenas for court thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5400.00} / XX/XX/2022
Product: Mortgage

We built our house in XXXX and we were paying our mortgage with no problem then my husband got sick and we had issues. Back in XXXX we missed a few payments of our mortgage and we tried to work with the mortgage company but they would not work with us. We went to a local company for help and went to a chapter XXXX. We couldn't afford the bankruptcy so we went to a chapter XXXX and our terrible attorney did not inform us that we could lose our car and property if we did not continue paying. 

We have applied for 10 modifications with no resolution! Our mortgage company would not let us pay at that point. We hired many attorneys and then after paying a lot of money we were told we need to sue our mortgage company but we did not have the money to hire a litigator. Before the XXXX of XXXX we tried for one last modification which legally is supposed to stop the foreclosure and the sale of the house but of course this powerful bank has hold on our city and our house was to be sold at auction. No one showed up so the mortgage company assumed it. We stressed the fact that my husband has XXXX and is in treatment and still working so we do have income coming in. The company we hired said we need to sue the mortgage company but we are financially strapped with no means of help towards it. Now we have to be out of our home and the amount of money we have to spend to move we could put toward our mortgage! The mortgage company foreclosed on us so our credit is shot! Which means trying to find a place to live is very difficult! We have tried to reach out to every agency here in XXXX NY and no-one would help us!! We have been turned away from every housing agency here. They told us to hire an attorney which we can not afford! We are frustrated and angry!