23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services
Product: Mortgage

We refinanced our primary home mortgage on XXXX, XXXX XXXX. While researching mortgage companies, I specifically asked mortgage provider if a separate " wind/hurricane '' insurance policy would be required, in addition to the standard property insurance requirements, and was told verbally, " no ''. I reviewed the insurance requirement document at closing, and language in mortgage contract ( as recorded and executed ) and no requirement for wind/hurricane insurance policy is included or agreed to. I retain those documents. 
On XX/XX/XXXX, the mortgage servicer notified me that a wind insurance policy was now required for our mortgage and a " forced placed '' policy was purchased and charged to me via escrow. We were provided notification on XX/XX/XXXX for policy dates of XXXX XX/XX/XXXX, at a cost of {$4000.00}. And escrow charge for same policy XXXX has been applied at {$6900.00}. 
I have made several attempts to rectify this situation with mortgage company, and logged currently XXXX hours of time on telephone with the organization attempting to rectify. As of now, they can produce no documentation demonstrating a wind insurance policy is required and agreed to for our mortgage. I believe, therefore, it is not.
Product: Mortgage

On XXXX XXXX, 2015, I contacted my then-mortgage company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX because I received a property tax bill from XXXX XXXX. After speaking with XXXX XXXX representative, I was told by a representative from the mortgage company that property taxes were paid on my behalf, & to not worry about it. At the same time, my loan was being sold to The Money Source, Inc. ( TMSI ). On this same day XXXX XXXX/XXXX/15 ), I contacted TMSI as well to ensure they had the same understanding regarding my property taxes. A TMSI representative said not to worry about it. That was over one month ago. This past weekend ( XXXX/XXXX/15 ) I received the usual monthly mortgage bill from TMSI but with an increased monthly balance of {$200.00}. Today ( XXXX/XXXX/15 ) I called TMSI & a representative said my escrow balance was negative. TMSI never sent me an escrow analysis, nor did they forewarn me that my monthly mortgage would increase. I was shocked to found out less than two weeks prior to the due date. This same representative said they paid my property taxes & that was why my escrow account was negative. This same day ( XXXX/XXXX/15 ) I called XXXX & XXXX XXXX only to find out XXXX XXXX was paid twice - once by XXXX & once by TMSI. TMSI completely ignored my original call on XXXX/XXXX/15, & did n't bother to confirm with XXXX or XXXX XXXX that my property taxes were already paid. A representative from TMSI then said I would have to search for the missing money, continue to pay the increase monthly mortgage amount, & then request a refund. TMSI should request a refund from XXXX XXXX, not me. In addition, I should not have to pay for TMSI 's mistake. TMSI failed to perform due diligance & then expected me to fix their error. TMSI did n't even know they had duplicated the property tax payment until I notified them. Now TMSI expects me to pay extra each month while I clean the mess they made. TMSI should fix their own error, apologize profusely, & expect the usual monthly mortgage payment from me ( instead of expecting me to pay an additional {$200.00} each month ). TMSI lacks any level of professionalism. When I attempted to explain my situation to XXXX in TMSI 's tax office, he said if I had a problem with XXXX XXXX that I should contact them directly. The problem is not between me & XXXX XXXX. In addition to a huge lack of professionalism & business integrity, the problem of miscommunication exists between TMSI, XXXX, & XXXX XXXX. I contacted all three entities on XXXX/XXXX/15 to avoid having this very issue arise over a month later. In addition, TMSI should be penalized by having to pay a reasonable fine & be placed on indefinite probation. Thank you. [ TMSI individuals I spoke with on XXXX/XXXX/15 : XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account with no explanation or course of recovery. They've been holding {$2700.00} with no explanation as to why this is happening or how I can unfreeze my account. 

I've tried to get in touch with the company through various avenues : A ) I called on XX/XX/XXXX, their phone support did not have any live agents that could help. 
B ) I emailed on XX/XX/XXXX, XXXX, XXXX, XXXX. 
C ) I attempted to contact through their app and via XXXX  on the XX/XX/XXXX. 
D ) Notified them that I am filing a complaint via XXXX  XX/XX/XXXX. 

I've only received automated responses with help articles ( that don't help ), an out of office response, and an email asking me to wait 6-7 business for more information. No follow ups or responses since.

It's ridiculous that they can hold thousands of dollars with no reason or communication.
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 in their platform, leaving my account valuable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two ( 2 ) Mastercard credit cards in the mail. the cards were in the names of 1. XXXX XXXX XXXX ( myself ), and 2. XXXX XXXX XXXX ( my XXXX  wife ) .The cards were sent by Huntington National Bank , XXXX XXXX XXXX, XXXX , NE. These cards were UNSOLICITED. I have never requested any credit cards from them. 
I contacted the appropriate department at Huntington band and spoke to a person by the name of " XXXX. '' I advised that I did not request the cards, make application for the cards, and do not want the cards. She advised me that the account had already been closed. I asked her what the records showed as the the status of the cards, and she replied that they were closed by the bank. I responded that if the bank closed the account, my credit record would reflect a negative notation, showing that the bank initiated the closure. She replied that she was sorry, but she couldn't do anything to change that.
Product: Checking or savings account

Saw some unauthorized charges on my checking account. The unauthorized charges appeared to happen in XXXX XXXX XXXX while I was in XXXX at that time. I filed a fraud claim with Bank of America immediately and followed up a few times through phone calls and online messages. However, Bank of America refused to credit back my account, although i did not make these purchases, did not sign any bill, and was physically in another country... The amounts are {$7.00} ( XX/XX/2022 ), {$9.00} ( XX/XX/2022 ), {$230.00} ( XX/XX/2022 )
Product: Debt collection

I requested validation and nothing has been received and it has been some time. Please help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2019, I sent a debt validation letter stated, this is not a refusal to pay, I need them to validated this debt.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am consumer of Discover credit card since XX/XX/XXXX and since XX/XX/XXXX I am chasing the company to report my credit and work with credit firms but they are keep rolling me. 
On XX/XX/XXXX they sent back the details to XXXX XXXX and still I can see no open account there and no score generated They are saying it should be reflect in 60 days but they are not sure on this. 
Same process they followed in XXXX or XXXX and it did nothing It is causing a lot rejection on my apartment application and other things. I am single earning person in my house with XXXX dependent and I am not getting apartment for rent due to no credit history. 
It is affecting my financial and mental health.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2019 I informed this agency and the legal department of the JP Morgan Chase bank regarding the criminal activity that I was victim of when the Chase bank received a wire transfer from my XXXX  XXXX  XXXX  and the information that I was provided to wire the funds was an account opened by a fraudester in the Chase Bank. 2 hours later after the XXXX  XXXX  XXXX  initiated the swift recall, the Chase bank only 72 hours advised the funds were safe in their account because there was a name discrepancy and fraud alert. 20 days later the chase bank allowed their customer to retrieved the funds and paid the farebeater and closed the account. The investigation conducted by the Police Department of XXXX confirmed the initial information given by the Chase Bank. The name beneficiary of the wire and the account holder of the Chase bank were completely different not just by one of two Characters, by a whole name and address. I wire the funds was the closing attorney XXXX XXXX XXXX, and the actual bank account was under the name XXXX XXXX resident of XXXX Ohio and with a XXXX number, clearely a non existing person, despite of the name discrepancy and address discrepancy the bank proceeded 20 days later to release the funds to the account holder and immediately when the account was XXXX the bank closed the account to leave no trace. This is a clear participation of the bank in this criminal activity. I had obtained copy of the report from the Criminal investigation department of the XXXX Police Department where the Bank failed to their initial offer to cooperate with the Law enforcement agencies, and only the real name of the account holder was provided but the second requirement of where the funds went 20 days after the bank refused to cooperate, clearly showing their participation in the criminal activity that I was a victim.
Product: Debt collection

I spoke with this company on XX/XX/21 about my debt and paid in full, as a result they agreed to expunge it from my credit report. Instead my credit report was updated with their name removed and it states that the balance is still unpaid. This was very deceptive. It has been almost 60 days since I have paid the balance in full. I contacted the company and was not pleased with their response stating it is outside of their control once they send it off.
Product: Mortgage

XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Zelle is currently in a class action lawsuit with CFPB highlighting Zelles negligence to protect consumers, allowing scams and repeat offenders to expoilt their system. Although ive used zelle alot ive been informed that i can not recover funds and its impossible to track. I would like to highlight the handling of disputes was horrible by the company and raises serious concerns about consumer safety.
Product: Checking or savings account

XX/XX/year> {$XXXX} XXXX XXXX fraudulently charged a membership fee and proceeded to withdraw funds from XXXX Account without my permission. 



I proceeded to contact the customer service agent and escalated the issue to the supervisor to no avail. I was in contact with them for 4 hours, and proceeded to be transferred to multiple times each time having to reiterate the same issue. I even contacted my bank and provided a transaction id to no avail. XXXX XXXX began making discriminatory remarks, even after providing my name XXXX XXXX, XXXX XXXX continued making derogatory remarks calling me Latravis. They proceeded to apologize and I thought nothing of it. Thats when support staff continued to make underhanded comments regarding race and ethnicity. 

At this point I didn't know where to go, I am aware {$XXXX} isn't a substantial amount of money but I am a college student so things begin to add up.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. 'XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
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. 

XXXX  # XXXX - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX  - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 have received numerous emails claiming they are trying to collect a debt but I have never had debt with the company they are claiming the debt is from. I have checked my credit report and there is no history of an account with any of the companies in the email or any accounts with this amount. They claim I made a payment of {$60.00} on XX/XX/year> but I double checked my bank account and there is no such payment in my history.
Product: Student loan

Navient mislead me to believe that placing my student loans in a forbearance status was the only option I had to manage my student loans. In all actually placing my loan on an income driven repayment plan would have kept my loan current. At this point my credit has been ruined and the fees associated with my student loan have become overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account with XXXX XXXX  was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with XXXX XXXX  from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on TransUnion credit report ) This is another identity theft issue left unresolved for over 8 months.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was 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, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the original creditors for months ago. I wrote Equifax XXXX  and XXXX  2 months ago and I have yet to hear anything from anyone
Product: Mortgage

On XX/XX/, I reached out to PHH mortgage about not having the ability to pay my account. The representative had told me that due to the account being four months past due all current and past due payments must be paid at that time. I reminded the representative that I was waiting on a response for my request for mortgage assistance. The representative explained the case had been closed due to the lack of documentation needed to continue processing. I continued to explain to the representative that I have uploaded every piece of documentation that I was told to do even after I had talked to, yet again another relationship specialist. I had uploaded everything to the portal in which I was told to load everything. I was on the phone with the relationship specialist as I uploaded the last of the required documentation. The representative proceeded to ask if I would like an additional appointment with my, yet again a different, relationship manager on XX/XX/XXXX  to discuss my options. 

At this point, the fees are being doubled and tripled because I am at the mercy of a relationship specialist I cant talk to for at least a month. Had I was able to get an earlier appointment with my relationship specialist, I would have not been in foreclosure and would have the information I needed to bring my account current. 

To keep from dealing with this company, I have decided to go into more debt and borrow the money to bring the account current. Therefore, I called PHH today to make sure how much money I needed to bring the account current. The representative explained because my loan is in foreclosure, I could not make a payment at this time. They would have to do an audit of the account and will let me know within 4-10 business days. By then, I may not be able to save my home.
Product: Debt collection

ONLINE COLLECTIONS/ INFORMATION SERVICES has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe ONLINE COLLECTIONS/ INFORMATION SERVICES any alleged debt and would like them to provide proof of claim with authenticated verification. ONLINE COLLECTIONS/ INFORMATION SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX account # or reference # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX ending in account # XXXX XXXX XXXX XXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy. 

15 U.S.C 1681 Setion 602A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX student loan accounts opened with the U.S. Department of Education on XX/XX/XXXX ; a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a charge-off loan account opened with XXXX on XX/XX/XXXX ; and a hard inquiry from XXXX XXXX on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or the hard inquiry as reported. These accounts, collections, and the hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and the hard inquiry are the result of identity theft and fraud.