23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I went local XXXX XXXX XXXX Cash Deposit {$220.00} in with PayPal Debit Card after done They Blocked me unintentionally stated need investigation upon money place in account am not allow removed money with in few days I notice PayPal sent a message alert on app they making services changes looked to me suspicious because right there being up excuses must hold money XX/XX/2024 they PayPal very unprofessional do a lot scheme towards Clients I shouldnt be waiting 6 months own cash placed own pocket dont owe money period need them release funds asap
Product: Credit card

I went into a TD branch to open a new checking account. While there, the banker showed me promotional offers for Credit Cards, one of which was the TD Cash Credit card with a promotional offer of XXXX $ after XXXX $ of spend. I decided to sign up for that card. This was on XXXX, XXXX of 2024 on which I signed up. I then called in a month later, to see the status of the promotional offer. The rep on the phone stated that there was only the XXXX $ for XXXX $ spend which they saw in their systems, and when I went into the branch they told me the same. This is on XXXX which I went in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block.INC ) due to inadequate customer service and unfair pratice, which violates the Consumer Financial Protection Act ( CFPA ) Regarding. 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 requirement under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. Experian I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inquiry from a company I have no association with. I never applied for credit with them, nor did I authorize or consent to this inquiry. This unexpected and unauthorized access to my information is extremely concerning and has caused me significant stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep complaining to the CFPB about equifax impartial discriminative acts and your guys aren't doing anything about it. I've made a couple complaints and stated the laws but you still let them violate my right as a consumer. According to CFPB consumer reporting in voluntary I never was asked to participate equifax assumed its role. They continue to report a XXXX XXXX, XXXX XXXX Bank XXXX and XXXX XXXX XXXX accounts on my report that says charge off. According to the IRS a charge-off is considered income. Its against the law to report income. Also they haven't verified anything with me asking me is that true, that is impartial and not fair. They also didn't conduct a proper investigative report because according to 15 usc 1681a ( e ) they should interview friends, neighbors and associates and they didn't. Also it says however such information shouldn't include factual information on a consumers credit record with such information obtained directly from a creditor. So if they're saying the information being reported in factual it shouldn't be on my report. This considered abuse and causing me paint and deceit. I'm not in a position to extend credit and its handicapping my life.
Product: Debt collection

I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$320.00} on a XXXX XXXX XXXX  account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
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 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX
Product: Mortgage

I refinanced my home loan with XXXX XXXX/PHH Mortgage Services and have had issues with them since initiating the loan. They arbitrarily raised the property tax escrow account based on the home value rather than the actual property tax amount owed. We had to make several phone calls and eventually fax our property tax paperwork to fix that. In addition, XXXX XXXX/PHH Mortgage Services said we didn't have homeowners insurance and was charging us for that as well, but we provided documentation to substantiate our claim and that was also fixed. I wanted to pay my mortgage via direct debit in XXXX of 2020, so I set it up in XXXX of 2020. The money was to be debited on XX/XX/2020, but was never debited. Despite emails and several phone calls, my mortgage payment has not been debited. My concern is that the payment is considered late ( I am getting Mortgage is Past Due letters ), accruing interest and late fees and will eventually affect my credit. After waiting over an hour to speak with a PHH supervisor concerning my mortgage on XX/XX/XXXX, they hung up on me.
Product: Mortgage

My loan had gone in default. Select Portfolio Servicing, inc sent a letter to my home owners insurance company stating that my home is in default and foreclosure actions is being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete brake down of were my money went. What did how much was mortgage payments, late fees, and all other charges. 

My insurance company request proof the my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me proof when I requested. My insurance agent ( XXXX XXXX XXXX ) also called SPS to request the information and was also dined onXX/XX/XXXX. SPS attorney never sent me the info as well. If SPS would have given me a letter or to my insurance my policy would have not been canceled. They didn't send me the info for the insurance until after I filed the XXXX complaint. 

Now they are charging me {$510.00} for their policy fromXX/XX/XXXX to XX/XX/XXXX. My policy was canceled because they reuse to cooperate so they can make money. I lost my policy and now XXXX XXXX XXXX will not reinstate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Dear sirs, My issue is with a XXXX  Visa Credit Card, and Citi Double Cash Card, both issued by Citibank N.A. On XX/XX/XXXXof this year, I attempted to contact Citibank to request assistance in furnishing me with access to view my credit cards online.

On XX/XX/XXXX at approximately XXXX XXXX I was transferred to 'XXXX ' and remained on hold for more than 40 minutes without a response. I was then disconnected.

Later that afternoon at approximately XXXX XXXX I was again transferred to 'XXXX ' and waited on hold for 47 minutes and gave up.

After another 20 minutes, and the assistance of a XXXX  employee, I was connected with a 'Supervisor ' at XXXX. After a lengthy delay, he said that he had performed the actions necessary to grant me access to my account. Unfortunately this was not correct, and he made no changes to my account.

My issue is that the customer support for both the XXXX  Visa Credit Card and the Citibank Double Cash are so poor that any reasonable person would have capitulated, and they effectively do not provide these legally required services.

I am asking the CFPB to investigate the lack of access to credit card information provided by Citibank.
Product: Debt collection

Someone shot into my apartment while my family was there. I feared for our safety so I moved out of the complex. The front office didnt care and wasnt helpful in any way. They didnt reach out and when I called to speak to a manager I was told that they werent there. No one tried to help me out even when I called about this balance. I feel that they should have just let this go because the lease was broken for a very good reason. I have a police report of the incident if Im needed to verify proof of this or anything you guys may need. I can be reached on my cell at XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on TU and XXXX as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. Transunion didnt update after disputing, XXXX  has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. TU and XXXX  are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with TU due to these specific errors. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to all XXXX credit bureau 's Collections : XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, XXXX {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX XXXX Balance {$9300.00} Date Opened XXXX XXXX, XXXX, Original creditor : XXXX XXXX XXXX  Closed / Charge Off : XXXX. XXXX XXXX XXXX XXXX  Report XXXX : XX/XX/XXXX Balance {$76.00}, Credit Limit {$200.00}, XXXX XXXX XXXX Credit {$120.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX XXXX. XXXX Report Date : XX/XX/XXXX Balance {$1000.00}, Credit Limit {$750.00}, High Credit, Available Credit $ XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XX/XX/XXXX XXXX. XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$0.00}, Credit Limit {$150.00}, High Credit XXXX XXXX {$150.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, Balance {$380.00}, XXXX XXXX XXXX, Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I am disputing the validity of the above listed collections and closed/ charged off account. I request to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my wet signature. Name and full address of the original creditor. Payment history and itemizes billing to go with all collection and closed/ charged off accounts listed above. Proof of ownership from the listed collection company and the closed/ charged of accounts listed above. If you cant provide me with this information within 30 days, I demand that these accounts be remove from my credit report immediately as neither your agency nor I can verify that they are reported accurately. 
Sincerely, xxxx
Product: Credit card or prepaid card

BofA edd prepaid they playing games wit my funds it took them two years to pay me out one claim thats not right at all XXXX $ in XXXX $ in a few more that I wrote down
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable. 
Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX 
Sincerely
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX XXXX  I SEE THAT XXXX XXXX XXXX  WAS LATE 120 DAYS. THAT IS WRONG. I CALLED THEM AND THEY SAID I WAS NEVER LATE. MY CREDIT REPORT FROM ANNUAL CREDIT REPORT SAYS NEVER LATE ON ANY LOAN PAYMENTS, YET THERE IS A IT'S SAYS I HAD 4 LATE PAYMENTS IN 12 MONTHS. I ALWAYS MAKE MY CREDIT CARDS PAYMENT BEFOR MY DUE DATE. THIS IS VERY DISTRESSING FOR ME. I AM A BANKER AND SEEKING A NEW POSITION THIS IS NOT GOOD ON MY CREDIT REPORT, ESPECIALLY WHEN IT IS NOT TRUE! 
I NEED HELP, PLEASE AND THANK YOU.
Product: Debt collection

Aqua finance has a debit of around XXXX For some type of tractor that I never owned or had, I asked them to send proof but they didnt. 
Another account called XXXX XXXX is showing negative on my account but I never had knowledge of account. XXXX XXXX has a fraudulent acccount opened in my name balance of XXXX dollars. Police reports were sent out to all creditors
Product: Payday loan, title loan, or personal loan

I applied online at lendingcashexpress.com for a personal loan. I received call from XXXX XXXX XXXX that I was approved for a {$3000.00} loan. The person told me I needed to call XXXX to receive my loan. I called XXXX, and spoke to XXXX. XXXX told me I had to satisfy a verification process in order to get the loan by paying {$150.00} on an XXXX Card. He mentioned that since they do not pull credit, this is how the company checks that you are qualified to pay back the loan. He also sent me a Loan Agreement for the loan. XXXX told me the {$150.00} would be refunded back to me by the Company paying me {$3100.00} for my loan. I paid {$150.00} for an XXXX Card to satisfy the verification process for the {$3000.00} XXXX. After I paid the verification, XXXX gave me the phone number XXXX to call to get my loan. I spoke to XXXX XXXX at XXXX and he said I would have to pay an additional wire fee of {$300.00} to get my loan. I either want my {$150.00} back or my loan of {$3100.00} which includes reimbursement of {$150.00} XXXX card. The Company should have told me all the out-of-pocket charges of the loan I would be required to pay upfront to get the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 complainant submitted for a residential property the screening process was conducted by company " Safe Rent Solution fka CoreLogic RPS '' said company Safe Rent Solutions used software owned by " XXXX. '' The information created by Safe Rent Solutions identified complainant as a XXXX XXXX XXXX On, XX/XX/XXXX and caused complainant to be denied, causing complainant psychological harm and damage to personal property and complainant marriage rings, Safe Rent Solution was aware that the information it was creating was not that of the complainant or should had known. Safe Rent Solution used inadequate software which only searches using first and last name, and the software used by XXXX did not reject the information Safe Rent Solution had created which misrepresented the complainant by mixing credit report and criminal background which gives the appearance of the information being correct of consumer. The consumer background check is that of public record and should be maintained as such, as it has proven to be misleading information about consumer. Complainant is XXXX by way of XXXX XXXX XXXX XXXX  and when attempting to speak to personnel employed by Safe Rent Solutions a person name unknown XXXX XXXX  identified himself as counsel for said Safe Rent Solution, XXXX XXXX  made degrading remarks concerning complainants ability to reason, understand or comprehend and stated that complainant couldn't read and he was of less then that of a XXXX XXXX XXXX, these words used belittled complainant making him feel useless and without self esteem, complainant became delusional for months unable to gain a grip on his life feeling isolated and trapped, making complainant feel like a creep and or that everyone was out to harm him and that others were looking at him as a XXXX XXXX XXXX, this caused pain and suffering, complainant submitted a complaint to CoreLogic XXXX the company rejected the complaint however phone communication with XXXX 's Fraud department revealed that company XXXX was working with Safe Rent Solution.
Product: Credit reporting or other personal consumer reports

I'm submittng this complaint to formally seek relevant advice and assistance to ensure that the data reported on my credit file is completely accurate. I recently obtained a copy of my credit report and believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation of this account : EQUIFAX : XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. There are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this account.
Product: Credit card or prepaid card

XX/XX/XXXX of this year I went into a Huntington Bank to withdraw money, Everything was going fine until it was time to dispense the money. The Atm printed out a receipt but I never received my funds, I then walked into the bank and I talked to XXXX the teller in the front. XXXX and her manager I believe went to the atm and confirmed my funds was jammed into the atm and that I couldnt get the money from them because I didnt bank with them. XXXX then informed me that I should file a dispute with my bank and that I will get money next day as a credit and it then will go under investigation. Still kinda iffy I left the bank and filed a dispute sent in all documents I could the receipt atm number and also the teller bank card. After three days XXXX XXXX contacted me asking for more documents but thats all I had so a week later my dispute was denied. This is so inconvient to me because I was just walking into a bank to withdraw rent money now Im stuck waiting weeks just to keep getting denied again. Like is XXXX XXXX and Huntington communicating with Eachother? I just need my money this is really causing a big mess because I am now two weeks behind on rent.