23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage provider Pacific Union financial is making it difficult to afford keeping our home, I have been working on getting modification for a year now reps are misleading me information and giving false hopes on home retention, several calls made to seek help and Im being told to pretty much let house go. My concern is people with XXXX, they are aware of. which I believe I fall under that category from diagnosis and pacific union criteria on forms. Is this modification a way of helping people maintain their home? Because I feel Im not really being helped I hear people left and right that modify their loans and their repayment drop more than 30 % and my offer is XXXX $ less?? Seriously please explain Im having a mental break down stressing over a his nightmare with my modification I have been dealing with this for a year plus and this is my help to keep my home. I do understand that my past due will be put at the end of my loan but come on. Then I speak to reps and they tell me well your past due has been placed on the back of your loan what else do u want pretty much this is what Im being told .... I have struggled plenty and am breaking inside feeling helpless and runned around. Im sure there is some type of chapter, form or option available to actually help me reduce my monthly payment I dont care if my loan changes to 40 years but I really would like to lower my payment. What if in the scenario I have another mental crisis or mis function from my medications and loose my job or quit my job because its too much to handle my mental health is very important to me to maintain I have a family I just cant just let it take over me and give up I really really want to be here for my kids and wife its not a choice I made, I didnt tell my wife today you will get XXXX and in 6 months you will be diagnosed with XXXX have an expensive XXXX and take as much time off from work No I did not ask for this we went through XXXX using up all her pto and mine having to travel for daily/ weekly doctor appointments recovery full XXXX XXXX by doctors order and to top it off getting laid off from my good paying job. Because I wasnt able to provide full office needs because of my lack of attention to my job because I had to be with my wife every step of the way! Selfish was I no I tried to fulfill my work duties along as my home responsibilities I did not choose to loose a good paying job and to almost loosing my home ... constant fight with P.U.F. Agents has gotten me to a limit and is eating me that finally I get approved for modification given hope that my payment will drastically change and the end result only changing 30+ $ $ I feel lied too and fooled with. I honestly am asking if this modification can be re reviewed. People involved are several agents at pacific Union financial my wife XXXX XXXX my self and XXXX XXXX Loss Mitigation Manager NMLS # XXXX Pacific Union Financial , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX PacificUnionFinancial.com Who has failed to get back to after trying to get ahold of her via email and by phone
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was agreed to be deleted after being paid.
Product: Payday loan, title loan, or personal loan

IN XXXX I OPENED ACCOUN WITH SELF.INC AND STARTED MAKING PAMENTS TO ACCOUNT SET UP WITH THE KNOWLEDGE I COULD CLOSE ONCE I HAD COMPLETED PAYING {$1600.00} HELD BY XXXX XXXX XXXX XXXX.I WAS PAYING {$150.00} XXXX, XXXX, XXXX BUT AFTER RECEIVED STIMULUS DECIDED TO PAY COMPLETLLY AND CLOSE THE ACCOUNT. I PAID {$1600.00} IN XXXX BUT SELF.INC ASK ME TO IDENTIFY MYSELF. I UPLOADED MY FLORIDA DRIVERS LICENSE WITH A SELFIE PICURE AS REQUESTED AND MAILED A LETTER TO SELF.INC HDQS IN WHICH THEY SIGNED FOR DELIVERED BY USPS ASKING TO CLOSE ACCOUNT.INCLUDED IN UPLOADED ATTACHMENTS.THEY WILL NOT CLOSE ACCOUNT I LOGGED IN XXXX.NO CORRESPONDENCE SINCE I ID MYSELF AS SENIOR CITISEN
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning of XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX who is representing XXXX  XXXX XXXX and or XXXX  XXXX XXXX has erroneous insinuated that I ( willfully, knowingly and intentionally ) transacted and or attempted to transact with an account in an unauthorized manner ; when in fact I was the victim of a fraud perpetrated by persons outside an ATM in XXXX XXXX  XXXX. ( The Circumstances of which are outlined in the attached documents ). 

I have had no further correspondence from Early Warning since the earlier part of this year despite seeking vitiation of this matter.
Product: Credit reporting

XXXX XXXX ( Alabama XXXX XXXX XXXX, XXXX. Removed the amount of {$580.00} for my account and added back on. I have disputed this and nothing was done. I have not received anything by mail or telephone stating I owe any thing. This should be removed.
Product: Checking or savings account

At the end of XX/XX/2023 there were a series of fraudulent transactions made using my debit card information, I had possession of the physical card. I was alerted via email and text by Chase that some transactions were flagged as fraud and after I checked my account I confirmed with Chase that the transactions charged to XXXX were in fact fraud and I did not make them. Chase issued me credits and opened a claim for me, # XXXX. After their investigation they reversed the credits for two of the transactions. I called Chase 's claims department and was told the merchant provided " compelling evidence '' that I made the purchases. I did not, I've never even heard of this company. When I tried that to tell the Chase employee I was speaking with I was effectively just told " too bad, talk to the merchant ''. I got upset with him and he offered to let me speak with his superior. I asked if that would make a difference, he said no. I assume this conversation was recorded.

I don't know how they were convinced I made two of these transactions that happened at the same time- see attached transaction records from my account for that day. I actually don't think they are convinced I made the transactions, I think they're just charging me because they want else someone to pay, which is XXXX. I think they thought the amount is so low that I would just shrug it off and they get their money.
Product: Payday loan, title loan, personal loan, or advance loan

Lender pushed employees to hit sales targets and illegally withheld refunds
Product: Credit reporting or other personal consumer reports

Early Warning Services ( EWS ) is refusing my opt out request. As a federally protected consumer, I am allowed by law to opt out of their services. I have asked them to provide me with the agreement signed by my bank that allows them to furnish my non-public private information and the laws that supports their claim that I am not allowed to opt out. 
See attachments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payment on the following date XX/XX/year> I'm now requesting you investigate this account and update this payment to paid on time Immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was recognized " a permanent lifetime pension '' since XX/XX/XXXX,  according to the communication received from XXXX XXXX, XXXX. from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. I received my pension regularly until XX/XX/XXXX deposited in my account from the Citibank by XXXX XXXX XXXX XXXX 
However, the Citibank announced in the report of this operation : " Dear Citibank customer, please be advised that the mailing address for this deposit has been changed. Please instruct the sender to mail future deposits to : XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX MO, XXXX XXXX. '' Meanwhile my current address continued to be the same nowadays. When I asked to the bank about my account I was informed by Mr. XXXX XXXX ( actually Director, Citigold Market Manager XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) that my account had been reported to the Office of Unclaimed Funds Remittance Control since XX/XX/XXXX. When I claimed to The Office of Unclaimed Funds Remittance Control they answered last XX/XX/XXXX as follows : " A letter was sent to you on XX/XX/XXXX stating that we were unable to locate any funds belonging to you. 
Due to the age of the item in question, the bank was unable to provide any information regarding these funds. '' During this time I have also be affected and I lost my condition of resident of the USA and I have not gotten a US visa any more.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am a victim of credit card fraud by a person and by the citibank credit card company as well. I worked at XXXX full time during the hours that I believe my phone along with my credit card was stolen from my locker and used. I worked at XXXX during this time from the hours of XXXX XXXX  - XXXX XXXXXXXX ( Monday-Friday ) for about 2 months starting from XX/XX/2018 - XX/XX/XXXX or so. I WAS WORKING from XXXX - XXXX XXXX  on this friday XX/XX/2018. At XXXX A person used my phone at an XXXX XXXX   in XXXX XXXX to call my credit card company and FAILED my security word which is XXXX. the credit card company then issued a text and the person verified it was me. Im not sure why they didnt verifiy me based off the favorite snack word. and if a person failed it then they should have NEVER been allowed to use my card. Bear in mind it takes about 1 hour to drive from XXXX to XXXX XXXX and 1 hour to drive back and I did NOT leave work that day during the time of XXXX I took a 15 min break with many of the employees at the XXXX XXXX. In addition to this when I finished my work shift at XXXX XXXX I noticed my phone moved from my locker and my wallet felt lighter. I looked online and saw the charge for 12000+ dollars at an XXXX XXXX I HAVE NEVER BEEN TO AN XXXX XXXX IN MY LIFETIME. and I own an android phone. I called XX/XX/2018 at  a later time maybe around XXXX XXXX and used the correct security word ( XXXX ) to verify it was me and explained it was not me who used the card. Lastly for some strange reason the credit card investigators are saying that they verified my voice to the fraudsters voice I guarantee you thats IMPOSSIBLE please look into this investigation Citibank credit card company is a total fraud and I want my money back and I will NEVER pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report on XX/XX/2020 and notice an account from santander consumer usa reporting inaccurate information on my credit and i am requesting validation of this account because i do not recall having this item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX ( Correct Names ) Address XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ( Correct Address ) With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

All events took place over the internet on XXXX/XXXX/2016, last Friday. 
I performed a transaction which would debit one of my checking accounts for {$270.00}. After I completed it and within the hour, I realized that my profile at the application site where I completed the transaction had my Bank of America account. This account did not have the balance to cover the debit, but I proceeded to do an internal account transfer, which was successfully processed. 
Bank of America posted the debit amount on the same day, XXXX/XXXX/2016, but held " pending '' the credit to cover it ( via the transfer ) until XXXX/XXXX/2016 and causing an overdraft charge. 
I called BofA on XXXX/XXXX/2016 and spoke with Rep Aundrea ( or apologies if I got the name wrong ) who at the end, despite of that I asked for a courtesy refund, insisted to tell me that it was not an error since BofA processes the transaction immediately after the customer provides their routing and account numbers to the website, regardless of whether a transfer/ deposit to cover is done, even within a second. 
I found the situation to be very deceiving and incorrect, especially after explaining that the transfer crediting the account happened within the hour of realizing the fact. I explained that transactions arrive on a given day and they post credits first then debits. It is a matter of principle. 
Thanks
Product: Checking or savings account

On XX/XX/XXXX, I received a notification that there was suspicious activity on my crypto wallet in XXXX. Upon logging in, I discovered that there were close to {$5000.00} worth of unauthorized transactions. Immediately, I locked my card and contacted XXXX, where I was connected with a customer support representative named XXXX. Unfortunately, XXXX was not helpful and directed me to contact my bank, Navy Federal. 

Following XXXXXXXX XXXX advice, I promptly reached out to Navy Federal and submitted a fraud claim on the same day. I was informed that the investigation could take up to 90days to be completed, with the possibility of receiving a provisional credit within 10 business days. 

After two weeks had passed, I decided to call my bank for an update, only to be told that the investigation was still ongoing and that I needed to exercise patience. However, shortly after ending the call, I received an email from Navy Federal stating that the fraud claim had been closed and no error had been found. This prompted me to immediately contact the bank again. 

During my conversation with the bank, I was informed that my case was being transferred from fraud to disputes, and that I should expect a response within 2-3 business days. However, the allocated time passed without any communication, leading me to call the bank once more. This time, I was told that I needed to personally go back to the bank and submit a dispute claim. Naturally, I became extremely upset and frustrated with the situation. 

In an attempt to find assistance outside of my bank, I turned to XXXX and was directed to this platform. I sincerely hope that someone here can provide me with the necessary help and guidance to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XXXX my experian? FICO credit score erroneously dropped more than 70 points. It appears the algorithms are geaed to looking at a high balance and immediately attacking you credit score without waiting to see if you XXXX out the balance like I have. These mistakes often take months to resolve beciase of the software bug in your algorithms.
Product: Money transfer, virtual currency, or money service

Paypal fraudulent charges. Despited the transactions and was denied. XX/XX/2020.
Product: Debt collection

A voicemail was left from XXXX XXXX, " private courier '' threatening to serve me at my job and/or home. He left the last four numbers of my social security number on my voicemail and stated that I needed to have my manager or HR representative at my job when he got there to serve me. I was at work at the time and stepped away from my desk to call back. I then spoke to XXXX XXXX who after asking her if she understood that it is a violation to leave private information on a voicemail especially when it is n't even confirmed to belong to me ( my voicemail has no detailed information on the recording ). She asked me if I wanted to talk about what the call was about or what was about to " happen to me ''? I reminded her that the call was being recorded ( I reminded her of this fact earlier in the conversation ). She then stated that she was going to end the phone call and hung up.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I disputed the late payment from XXXX XXXX XXXX. In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Please permanently remove the negative collection/derogatory items from my credit profile for XXXX XXXX XXXX XXXX amount of {$480.00}. 
The company agreed that this could not be validated according to the FCRA and sent a notice of removal to XXXX credit bureau however it keeps re-appearing on my XXXX after they remove it. This item also needs to be removed from Experian and XXXX as they have confirmed they were not able to validate this debt. 

I have attached document to show proof of this being invalid debt reporting to my credit profile.
Product: Credit card

I purchased at item on XXXX with a PayPal credit card. The item was a designer used handbag. When the item arrived I paid to have it authenticated because it was clearly not authentic. It was deemed a fake so I started to try to return on XXXX but the seller was removed due to a violation. I immediately called PayPal to try to resolve. They started the process of the dispute but then after a month stopped responding. I then checked with XXXX and they had closed my return request because I had started a claim with PayPal. I then called SynchronXXXXXXXX  bank ( who manages PayPal credit ) and opened a dispute with them. I submitted all my documentation via trackable USPS. They closed the claim and told me to return the item and that I would receive a refund. I have no way to return the item as the seller on XXXX was removed. I opened and second and third claim and talked to customer service explaining to them that I need the return information. Their latest letter states that they contacted the seller and that I can return the item and the seller will review the quality of the bag. They did not provide me the sellers return information, so I can't return. I don't believe that they have done anything to resolve this matter. The charge was for {$1400.00}. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe Experian has failed to comply with the provisions outlined in 15 U.S.C 1681 section 602 ( A ) and 15 U.S.C 1681 section 604 ( A ) ( 2 ) of the FCRA. 

The account # XXXX Violation of 15 U.S.C 1681 section 602 ( A ) : States I have the right to privacy. Section 602 ( A ) of the FCRA explicitly explains that I have the right to privacy regarding my consumer information. However, Experian 's actions have compromised my privacy in so many ways. This violation undermines the core principles of the FCRA, which aim to protect consumers ' sensitive personal information. They are in violation to the highest degree and this should be addressed. 

Also addressing the violation of 15 U.S.C 1681 section 604 ( A ) ( 2 ) : States a consumer reporting agency can not fornish an account without my written instruction. This has been addressed to them multiple times. The last phone call I was rudely told " this is not the case '' and I was hung up on while trying to explain my situation of identity theft. 
According to section 604 ( A ) ( 2 ) of the FCRA, a consumer reporting agency such as Experian is prohibited from furnishing information about a consumer 's account without the consumer 's written instructions, unless certain exceptions apply. However, Experian has furnished information regarding my XXXX Accounts ( stated above ) without obtaining my written instructions to do so. This unauthorized disclosure of my account information is also a clear violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc . ) Due to inadequate customer service and unfair practices, which violates 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX, XXXX and XXXX, XXXX have been reporting incorrect information to credit bureaus. My credit scores have gone down and I am not getting approved for housing loans. No credit increases approved nor any new credit cards granted. Credit badly hurt owing to irresponsible reporting. Several letters wrote but to no avail. XXXX and XXXX would not submit proof that the alleged debts belong to me. Legal letter sent a couple of months ago but to no avail..