23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This concern is with us bank home mortgage, I started this process in  XXXX   XXXX . My mother passed away in  XXXX  at the time her home was current never past due. I talked to us bank about putting the loan into my name. Which after several months was done. During that time the loan was becoming past due. I applied for loss mitigation and was approved. During the first two months I was taken out due to have a second mortgage on the account. Of course I had no idea and us bank never told me there was a  Lein  on the property from a credit union, that my mother took out. If I did n't pay it they would forclose. So I paid cu services  XXXX . I then replyed several times  XXXX  and  XXXX  for loss mitigation and after several months denied. I reapplied in  XXXX   XXXX   XXXX . Where I have been in loss mitigation to date. I was denied in  XXXX   XXXX  and I appealed due to us bank not having all the documents and changes made on the account. I 'm still in appeal they have sent m e two additional letters stating they need more time for decisions. I have been in loss mitigation for one year and five  months. The current due is  XXXX . In 17 months being in loss mitigation has put  XXXX  additional onto loan including escrow advances for insurance. I contact us bank weekly ever since I took over the loan to get updates to see if anything is needed I never waited for them to contact me or send letters. I knew the process and it took to long so I took the initiative. I have been through several loss mitigation relationships managers never to be informed of changes. At one point I did attempt to get outside help with first financial for the loss mitigation. But after months they wanted so much money and they were not helping. A cease and desist was placed on the account from them but after I refused services I contacted us bank to take off and they never did. Just to date again submitting a letter stating all of this the letter was forwarded to customer advocacy because of my letter being worded in form of a complaint. Nothing had been done. It is just amazing how I was never told until customer advocacy received my letter that I could pay on the mortgage. I contacted us bank several times to try and make payments they always said i could not due to bein g 5 pay ments past due and then of course the balance was growing. it have to be paid in full. When I did pay they sent payment back. Part of it is still in suspense acct. all I am trying to do is get my home back on tract. My home has been in our family since it was built on  XXXX . It would of never fallen behind If my mother did n't pass away suddenly At  XXXX . All of the loan advisors just told me to put it up for quick sale or a deed in lieu so I can just walk away. That is not right to advise when I am trying to save my home. I only have  XXXX  on this property and the value is  XXXX .
Product: Money transfer, virtual currency, or money service

CashApp is aiding and abetting larceny by trick, theft of services, unauthorized debit, stolen funds, and breach of contract by allowing a dishonest client of our law firm to steal back legal retainer fee funds already and duly accepted and earned by undersigned complainant. They are also improperly inserting themselves, and taking sides, in a contract that they are not a party to. Their only role was to verify if the funds were authorized by payor, not if they were satisfied or not, as that is a matter for the courts.
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 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 theses violations.
Product: Credit card or prepaid card

It was identified that an unauthorized debit card payment was made using my  Eppicard  in which I receive bi-weekly child support payments. The transaction in the amount of {$140.00} was made on    X/XX/2017  .  This purchase was made at a  XXXX   XXXX  in  XXXX   XXXX , New York. Immediately upon noticing I contacted EppiCard to file a complaint and provided all documentation as requested. This purchase was made at a store in which I 've never shopped as well as in a state I 've never even visited. To this day,   XX/XX/XXXX  , I have yet to receive any updates regarding this open dispute. On   XX/XX/XXXX   I received a letter stating that a provisional credit for the full amount of {$140.00} would be issued to the account in lieu of the pending completion of the investigation but that has yet to happen as well. I 've made numerous calls to EppiCard for a resolution but have been given the run around. I was told that the investigation must be completed b y the 90th day which is today yet nothing has happened and no one has provide d any valid information regarding the dispute 's current status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code XXXX681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}
Product: Debt collection

XXXX I had a payment due for approximately XXXX, I normally pay online. I was locked out of my online account when trying to pay. I later logged in and scheduled two payments last one was withdrawn XXXX. Next payment is due XXXX. My account was not even 30 days late and they were calling every day while I was at work and calling my job. I never had a chance to call them back to find out why they were calling like my account was months pass due. I then got a letter in the mail dated XX/XX/XXXX demanding the full payment of the loan in 15 days and being threatened with court. I will never borrow money from this place again and my loan amount is even incorrect because they added an additional cost that I did not authorize and I request to be removed. I will be filing a complaint for abusive and illegal collection practices and collection of unauthorized charges on a loan document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting for student loan information, late payment history, etc to be removed from credit report this debt has been written off
Product: Credit reporting or other personal consumer reports

In 2019 when I was applying for the XXXX  permanent dividend fund, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen. 

the following accounts aren't mine 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

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting or other personal consumer reports

Noticed unauthorized inquiries reporting unlawfully according to fcra. File ftc complaint
Product: Checking or savings account

On XX/XX/2023, Chase closed my bank account and stated that the remaining balance would be returned to me in the form of a check. However, it has been over six months, and Chase still hasn't returned my money. When I called, Chase only said that they are still investigating. And all my remaining balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX {$1200.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB REPORTING A BUSINESS CREDIT CARD ON XXXX WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. XXXX continues to report this fraudulent account on my report even though I disputed it.
Product: Debt collection

I attempted to contact Law office of Edwin Parry in XXXX and then again in XXXX. I am attaching what they responded. Prior to that I had called and asked to work out a payment plan. The representative wasn't abusive but was rude and did not try and answer my questions. I asked what the next step was and she did not respond or address it. When I emailed, I asked them to listen to the call ... no response. I sent a second response in XXXX and all they responded after that, is that they don't communicate through email. No phone call to me. I feel I attempted to resolve it and they have not done their part at all. 

Here is the email : XXXX To : XXXX  Our office does not correspond via email. Please contact our office at XXXX. 
Thanks, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  XXXX XXXX XXXX XXXX UT XXXX Direct Dial : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX XXXX This communication is intended for the use of the individual or entity to whom it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is prohibited. If you have received this communication in error, please immediately notify us and destroy any copies which you may have. The information contained herein is attorney-client privileged and confidential. This is an attempt to collect a debt. Any information obtained may be used for that purpose. This communication is from a debt collector. 
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From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX XXXX To : XXXX XXXX XXXX XXXX Subject : Fwd : XXXX XXXX A month has gone by and zero follow up from you or your office. I guess I should not be surprised by your representatives unwillingness to resolve this matter. 
Sent from my XXXX Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX  MDT To : " XXXX '' XXXX Subject : XXXX XXXX Good morning, I have tried to contact your office and work out a plan but the only option of 7 months is not feasible for me or my son. He is an adult but is unemployed at this time. He did give me authorization and I have offered to assist him but its impossible to speak in a civil manner with your representatives. I encourage you to listen to the recorded call. 

I have requested to know what the next step is if my son, XXXX XXXX, is unable to meet the 7 month payment plan requirement. The representative said she didnt know. You are required to let me know what the next step is and she should know what are the possible outcomes, yet offered no advice or information. All she told me is she didnt know what resources my son has. Clearly Im not asking about his resources. I want to know what is the next step if he is unable to pay this. I would appreciate some information from someone who is willing to communicate. If that is possible, please contact me at XXXX XXXX XXXX XXXX. Thank you! 

XXXX XXXX Sent from Mail for XXXX XXXX
Product: Payday loan, title loan, or personal loan

They contacted me and from the gate it felt off because I buying gift cards applying for a loan it didn't make sense then telling me to go to a XXXX
Product: Credit card

I applied in good faith for the The Home Depot Commercial Credit Card with Citibank , N.A . as the Creditor. After application had been summited received a denial notice requesting a XXXX. If any portion of this application under the Application ID : XXXX has been securitized under securities act of 1934, within the citibank prospectus, XXXX and or other SEC filings . we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we would wish for this matter to be resolved matter in Private.
Product: Debt collection

I made three biweekly mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Selene Finance in XXXX. The last loan payment on XX/XX/XXXX was deducted from my bank account, but it was not deducted from the principal balance like it should have been. They will not resolve or even reply to the matter after 23 days now. 

I have attached screenshots of the current Selene Finance payment history and the payments made from my bank statement. The Principal Balance displays a {$220000.00} amount on XX/XX/XXXX. The payment reversal on XX/XX/XXXX is the problem because the funds were in fact deducted from my bank account and never returned. 

That payment reduces the principal because its the third payment of the month and Selene should never have had a " Payment Reversal ''. Therefore, the current amount in Suspense should be half the mortgage payment and the Principal Balance {$220000.00} as ofXX/XX/XXXX.

On a side note to eliminate any confusion. Due to the lack of information Selene Finance provided me, I made a manual payment onXX/XX/XXXX. Unknowingly, two payments were then deducted from my bank account. One deduction was turned back for insufficient funds, but the other payment was accepted.
Product: Prepaid card

I am currently using MoneyNetwork which is the new EDD bank. I had sent a test transfer to my personal account of {$27.00} which XXXX was correct which matches the account from XXXX XXXX that I will upload. On Monday morning XXXX, I went to confirm if it was sent and noticed the large transfer of {$4900.00} being sent out to another account. In the photo of MoneyNetwork, you can see it does not match the account number I have from XXXX XXXX. I received no fraud alerts or notifications and it was sent. This was not authorized to me as you can see the accounts do not match from the {$27.00} transfer. I called MoneyNetwork XXXX and they assisted me with cancelling the transfer although it was patched through. They cancelled my card and provided a new one, and informed me to complete dispute form, which I did, and it was denied. I am on California EDD and after research says it went to a XXXX  in Florida, which would make no sense for them to collect California EDD benefits. I live in California and XXXX XXXX XXXX here. Please review so I can retrieve my EDD. I appreciate all the help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, for their failure to conduct a thorough investigation regarding my credit dispute in accordance with Metro 2 compliance requirements. They've also failed to comply with several FCRA laws. After submitting my initial dispute, I received a response from Experian that my accounts were verified. Their feedback indicated that they had completed their investigation and found the information reported to be accurate. However, upon my further review and after obtaining additional documentation, it became evident that their investigation was either incomplete or not thoroughly performed.
Product: Credit reporting or other personal consumer reports

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used but 5r 6 different financing institutions r leanders without my consent an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Product: Credit reporting or other personal consumer reports

I've received a copy of my credit report. Ive noticed it has several inaccuracies, including fraudlent accounts that were previously deleted and are now reporting again. These remarks are hurting my ability to obtain housing for me and my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Equifax, and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more  than two ye ars and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up  in  XX/XX/XXXX  and I need them to fix my credit report asap, please.    CTPB please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.
Product: Payday loan, title loan, personal loan, or advance loan

I walked into an XXXX Texas XXXX XXXX XXXX XXXX XXXX. I Received XXXX. Now showing I owe over XXXX dollars. Im struggling living paycheck to paycheck. The fees are astronomical higher and increased. Im currently on a {$35.00} per month payment plan. Now being Reporting as a Collection Negative derogatory mark on my XXXX score. Im also disputing the calls, received to my friends and family at all hours of the night and day.
Product: Checking or savings account

XX/XX/XXXX I transfered {$250.00} and another {$100.00} to pls expectations card but the funds never showed in the account. The transfer is automatic, and I have no way to overdraw the account. Only a few can overdraw it. I called pls. They stated that the funds couldn't be disputed as they were not a charge. I asked to be sent a statement and received one.The evidence is clear. They show the funds as a charge of an ATM withdrawal the day before I transfered it to the account, not possible. They also locked my card and refuse to follow through with reactivating it. The statement emailed to me has been falsified by pls. I also have the recording of the recent transactions verification while calling pls.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Transunion XX/XX/2022. I Called everyday until they claimed they received my letter on XX/XX/XXXX. They advised me that they had 5 days to review information to see if a dispute is necessary. By XX/XX/XXXX all supporting documentation had been attached to my file and by XX/XX/XXXX they had concluded that this was verified but did not provide proof from who as I have asked and as I have provided a letter from the Bankruptcy Court and XXXX as well as my XXXX and XXXX public record portion. TransUnion has blatantly violated my rights by even concluded an identity theft dispute within 2 days. I ask that TransUnion provide proof of my signature, proof of any document attached to this Bankruptcy with my full social security number and/or signature. If they can not produce such proof I ask for this item to be deleted and not reinvestigated as they have already had time and failed to conduct a proper and fair investigation.