23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or removed : XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00}
Product: Money transfer, virtual currency, or money service

I called cash app customer service on XX/XX/XXXX to help me with a deposit from my daughter of XXXX. The person on the phone went so fast and had me clicking here and clicking there and the next thing I knew i looked into my bank acct and noticed the cash app customer service guy did transactions of 2 both at XXXX each to bitcoin and some guy named mark. once I felt uncomfortable with what was going on with this phone call I disconnected the call. noticed the cash app guy made it look like i sent the money to my daughter and myself which i have no record or dont do bitcoin i immediately Called chase bank to inform of the scammed and fraud transactions and what happened. The guy tried calling back multiple times to " help me get my deposited money through cash app. after multiple calls from this guy I finally answered the call and told the guy that he has been reported and stop calling me he is a fraud and scammer and he should be ashamed of himself. He then texted me cursing at me and at the end of the text he confessed to taking my money. contacted cash app and they said because he sent my money to bitcoin that this was irreversible and they could not do anything about it. I have screen shots showing this guy tried multiple transaction through cash app and some failed but the he was successful in scamming my money. I thought I was calling cash app customer service not realizing this guy scammed me out of my money. I just want this guy to get caught and suffer consequences so no one else will get scammed. and get my hard earned money returned to me. 
contacted police, my bank and cash app no one will help me
Product: Bank account or service

When I moved from XXXX in XXXX 2015, I set up mail forwarding with USPS. As part of that service I got to select coupons from various companies. I selected XXXX from Citizens Bank which promised to pay me {$200.00} for opening a new account provided I make a certain number of deposits or debit card purchases within a certain time frame. I printed the coupon from USPS and brought it to Citizens Bank when I opened my account. I met the required deposit/debit card terms & waited for the money to be deposited. 

In XXXX 2015 I became concerned that the {$200.00} had not been deposited into my account. I contacted my local branch, and they attempted to help me. Over the course of several months I was passed around to a few different contacts at XXXX local branches ( XXXX teller and XXXX managers ). The final manager I worked with had been speaking to " someone '' in the " back office ''. He would not or could not tell me the name of the person he was speaking with in the " department that deals with offers like this ''. 

I provided the e-mail from USPS confirming this offer was made to me, but Citizens Bank claims they can not " verify my eligibility '' unless I can provide them with the specific coupon code on the coupon I already gave to them ( at the time I opened the account ). The e-mail I provided has a link to print the coupon ( which I did at the time I opened the account ) but now that so much time has passed the link is dead. I did not keep a copy of the coupon, and they will not accept the USPS e-mail confirming the offer was made to me, as proof the offer was made to me. I believe Citizens Bank used this coupon to gain my business with the intention of using any excuse it can to avoid paying the {$200.00}, despite the fact that I met all the terms to be eligible for the money.
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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from Resurgence today with regards to a utility bill that was dated back to XXXX. This original creditor I have not had since XXXX. I read the statute of limitations here on Pennsylvania and from what I have read it is past. I have more than one account with this collection agency of which it also states on the letter. Statement " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency '' I am being informed that because it is now past the time frame that they transferring this debt to someone else. This account is XXXX XXXX. The other account that I have was date XXXX and they are also trying to collect on this account. 
To my knowledge these accounts I have not heard from in over 10 years, now out of the blue they are getting in touch with me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told over the phone that my late payments would not be enforced as they would consider them deferred. They since been on my credit report affecting my score no matter what I do. I've been paying my loans back automatically with no change. What more should I do? I have over XXXX in loans, I am a XXXX  who had to work through this pandemic and still can not afford to purchase a home due to my credit from these previous missed payments.
Product: Mortgage

This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Land Home Financial Services that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX XXXX case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; Legal Aid repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : Land Home Financial Services ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through Legal Aid from Land Home dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess Legal Aid is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to Land Home FS the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
Product: Money transfer, virtual currency, or money service

I received a XXXX tax form from Block , Inc on behalf of Cash App. I turned it into my accountant because I didn't understand why I received it. She alerted me to a fraud scam using this company and advised me to report asap. The fraudulent account in my name showed transactions starting in XXXX and XXXX of XXXX  - a total of XXXX for nearly {$4500.00}. I did NOT open an account with Cash App and only became aware of it when I received XXXX tax form. 
Calling the customer service number and speaking to their agents has been beyond frustrating. Despite asking for information as to exactly when and how this fraudulent account using my name, mailing address and SSN opened and how I was told that accounts are accessed by email or phone number and the crooks didn't use my number or email so the agents said there is no way to do anything unless I opened another account. I refused to do this because : XXXX the account opened is fraudulent XXXX. I don ' want this company to have even more identifying information about me. 
XXXX. Cash App customer services didn't say anything about reporting this fraudulent account to authorities but instead told me to create another account and then Cash App agents would go into in and erase the first account and send me zeroed out tax forms. 
XXXX. Cash App refused to put a freeze on the fraudulent account opened in my name despite my asking them on several different phone calls. 
the only reason I found out about this account was when I received a XXXX form and my accountant alerted me to this scam. 
My quick research shows both Block , Inc parent company to Cash App and Cash App are legitimate companies and sent me a legitimate tax form, it was all generated by a fraudulent account opened by scammers. The fact that Cash App don't seem too interested in assisting me by opening an inquiry but instead wanted to use a legitimately opened account by me to close down a scam account and then magically erase the tax form and send me a new one sounds like shady business practices. 
I have reported this fraud to FTC, XXXX  of XXXX California as well as filing a police report with my local police department as well as opening a case with my XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. My final report is to the CPFB.
Product: Credit reporting or other personal consumer reports

Reached out to XXXX  and they refused to do so after I informed it was unauthorized and unverified
Product: Credit card or prepaid card

I was scammed on Saturday, XX/XX/2021. I immediately reported to American Express that my card from them had been compromised and to stop all charges made that day. I called the police department and filed a report with them on th same day. I called and gave the police report number to American Express and they then told me that I would have to wait on them to investigate. I never heard back from them. I proceeded then to write a letter to them and sent it to 3 different American Express offices. The first was sent to American Express, XXXX. XXXX # XXXX, XXXX XXXX, CA XXXX. The second to American Express Sr. Acct. Exec. 
American Express XXXX XXXX, XXXX XXXX XXXX, New York, XXXX XXXX XXXX. And a third to American Express XXXX XXXX. XXXX # XXXX, XXXX XXXX, TX XXXX. I sent these three letters on the same day Tuesday, XX/XX/2021. On XX/XX/XXXX, I received a letter from American Express stating that the {$400.00} unauthorized charges where credited to my account. Then on Monday, XX/XX/2021 I received a second letter saying to disregard the previous letter on my fraud dispute. My complaint is that it is not fair to say that they would credit my account the unauthorized charges and then turn and renege on what they said they would do. Attached are all documentation.
Product: Payday loan, title loan, or personal loan

I am writing in regard to my line ( s ) of credit with Santander Bank. The first issue is why I received the approval in the first place. I was only earning {$100000.00} and had zero assets and the bank approved me for two lines of credit totaling {$50000.00} in my 20s. I now believe this to be predatory lending. 

In addition, I have had many issues making payments. I went into the bank with my parents and we paid {$15000.00} toward the loan with the {$15000.00} balance. The bank then immediately closed this account- later claiming I requested the closure - damaging my credit. This was not a request I made at any point to close the account. 

Then a few weeks later they closed the second line of credit with {$25000.00} owed and charged it off. This account now sits in their internal collections office- where they collect the payments + interest and penalties. 

Please note I also have a credit card and a third line of credit with them. Santander then proceeded to shut off my access to online banking making it impossible to see the balances of any of the accounts online or to set up auto-pay. 

I have made payment arrangements- for the first few years, they had one group that collected a lump payment from me that Santander Bank applied across multiple accounts. Then without any indication that had changed, they split this up into different payment groups. I continued making my payments assuming they were being slipt up. There were not so Santander Bank on top of all of this caused me to have 12 late payment marks on my credit in spite of the money I was paying them.

This bank has single-handedly destroyed my credit and my life. They should be held accountable.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023. I request 4 sets of documents from FNB Omaha, over the request of a claim, I've requested this information 2 times prior this year for accounts XXXX & XXXX. FNB Omaha keeps sending information that is not part of my request
Product: Debt collection

On XXXX XXXX XXXX I received a claims notice and summons for a debt that is not mine. It was from XXXX XXXX. It said a loan was opened on XXXX XXXX in the amount of {$5800.00} with XXXX  XXXX. This debt is not mine. The last name was misspelled and I pulled my credit reports and the debt of course doesn't show because it isn't mine. I was recently hired with a financial investment company who did a very extensive criminal and credit background check. I just started this job on XX/XX/. I have filed a dispute with the county and have a court date of XXXX XXXX XXXX. This is very upsetting and I don't know what to do. Please advise me.
Product: Debt collection

I received a 1099-C from US Bank for cancellation of debt in the amount XXXX. I have not had an account with US Bank in over a decade. When I contacted them they said it was for a business that was closed about a decade ago. The debt was from 7 years ago in 2013 supposedly. I have not used this account nor was even aware I had this account. Had they tried to collect or even sent me a bill I would have disputed any charges at that time. They claim they spoke to me in 2013 and I said if you did speak to someone it was not me. Instead of helping me they said take it up with your tax adviser. There are numerous regulatory violations here. To start, this is not my charge and I was not even aware there were charges for 7 years. This would have been disputed if I was aware per REG E and I am sure there Visa or MasterCard agreement. I would also say there is FDCPA violations as there was never an attempt to collect a debt, not was there any notification for 7 years that there was a debt for a company that was closed 10 years ago. Additionally, the contact info on the 1099-C is incorrect and had to be transferred to 6 different individuals all scripted to say they cant assist.
Product: Credit reporting or other personal consumer reports

XXXX has the amount as XXXX But TransUnion has the same student loan as XXXX they doubled it and I keep telling them it is incorrect
Product: Credit card

I was sent a letter in the mail from US bank dated XX/XX/year> saying that the US Bank signature rewards credit card I was applying for could not be processed because I had locked my XXXX credit check. 

I called them and told them I never applied for the credit card. They sent me to their fraud dept who said I was all set ; no card or application passed. They told me as a follow-up to report this to ftc. gov
Product: Checking or savings account

Citizens bank withdrew {$99.00} from my account for a check I wrote for {$19.00}. I called customer service who pulled up my cancelled check and confirmed the banks error. He stated he could see the check was written for " XXXX dollars and XXXX XXXX and in the upper right amount box I had written " XXXX '', the associate advised I would receive an {$80.00} adjustment within XXXX business days providing me with reference # XXXX. Today I received a form letter denying Citizens will credit the {$80.00} they unlawfully removed from my account. This is fraud & will be taking Citizens to small claims court if this is not corrected in a timely fashion. This is the second time Citizens made an error on my account. About 2 years ago, I made an in person deposit of several XXXX dollars at the XXXX, XXXX  branch on the corner of XXXX and XXXX. I was told they 'accidently " put it into someone else 's account, apologized & credited my account. A friend just advised me Citizens bank is being sued for sending out automatic denial letters. I think they have learned nothing. I will not be appeased or accept condescension. I'm a XXXX XXXX XXXX retiree ; however my former position at XXXX XXXX, was to settle claims & I still maintain contact with several excellent litigators.
Product: Debt collection

I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity.
Product: Debt collection

This is not a duplicate complaint : This complaint is based on information obtained from the company. I am legally entitled to file a new complaint based on inaccurate or non-existent information. 

Cashcall refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. They claim the documents and loan originated from an IP address ( XXXX ) that is not in service anywhere near where I live and work. This loan has been contested over 6 years. The company claims I owe $ XXXX in one statement and then $ XXXX in another. The company claims to have made courtesy calls, that XXXX XXXX XXXX has no record of. The company claims to have forms and documents that they can not provide. 

Based on the information provided in complaint XXXX and prior complaints which is incorrect, I am filing a new claim. These are not redundant.
Product: Credit card or prepaid card

I am writing to dispute Chase Bank 's unwillingness to recognize, assist and resolve fraudulent Pay From transactions that has negatively impacted my account for {$11000.00}. The result of this has also resulted in the cancelling all of my Chase credit cards, which I have been in good standing with ever since I opened the accounts. 

The following are the sequence of event that led up to the fraudulent transactions : 1. XX/XX/XXXX Entered into an XXXX XXXX with XXXX XXXX XXXX. ( Appendix A ) 2. XX/XX/XXXX Contacted by XXXX to assist them in helping them open up a XXXX XXXX ( Appendix B ) 3. XX/XX/XXXX Provided instructions on setting up a Pay From account for expense reimbursements ( Appendix C ) 4. XX/XX/XXXX Set up Pay From account linked to my Chase Business credit card ending in XXXX. Pay From bank account information supplied by XXXX attached : ( Appendix D ). I contacted customer service on XX/XX/XXXX after setting up the Pay From account and was told it was set up correctly, and they saw no issues in moving forward. 
5. XX/XX/XXXX Per my instructions I purchased four computers from XXXX XXXX. PO and receipt attached ( Appendix E ). 
6. XXXX/XXXX/XXXX I immediately processed the Pay From from the XXXX XXXX XXXX XXXX 
7. XXXX/XXXX/XXXX XXXX XXXX provided a shipping guide for their IT department for me to send computers to for setup. ( Appendix F ) 8. XX/XX/XXXX Credit card showed a XXXX  balance, so I went ahead and shipped the computers per their instructions. Receipt attached. ( Appendix G ) I processed the Pay From for the shipping costs immediately following. 
9. XX/XX/XXXX Received the second PO for the purchase of four more additional computers. PO and receipt attached ( Appendix H ). I double checked my account before making the purchase and my credit card showed a XXXX  balance at the time. 
10. XX/XX/XXXX Shipped the additional computers to their IT department as instructed. Receipt attached. ( Appendix I ). 
11. XX/XX/XXXX Processed the Pay From reimbursement payment for the computers and the shipping. 
12. XX/XX/XXXX Received notice that the Pay From reimbursement payments were reversed on account the XXXX bank was refusing payment. 
13. I have contact XXXX numerous times via email and telephone and have received no response. 
14. I have contacted Chase customer support many times and have received no assistance. 
15. I have filed a police report with XXXX XXXX XXXX of the XXXX, Colorado police department, Case # XXXX. His phone number is XXXX. 
16. ) XX/XX/XXXX - Sent via certified mail a letter outlining the above with all the supporting documents to Chase Executive Office and was assigned a case manager. XXXX, ext. XXXX 17. ) XX/XX/XXXX - Case manager left me a message denying my claim. 

I do have copies of all the supporting documents mentioned above.
Product: Debt collection

I have contacted Credit Management LP several times to remove this debt. It has affected me in many ways since it has been reported to my credit. All Credit Management LP says is that the debt is " verified '' by the company with no actual physical proof, no affidavit, no contract, nothing with my signature, literally nothing. They do not even have my name right in the letters they've sent. I have demanded deletions several times because they have not complied with the law and have not sent any proof with my name and signature. In the last letter I sent to Credit Management LP, they referred to my numerous attempts to validate this debt as a " frivolous dispute '' when I am fully within my right to ask for verification under the FCRA. I have been trying to get rid of this mark on my credit report for a long amount of time and would like it finally removed.