23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We believe that XXXX is bent on foreclosing our property if not a Shylock type modification will not be proposed. We hereby acknowledge receipt of your proposed modification, however we do not agree with the terms and are therefore not signing it. Reading through the agreement, we concluded that it is a case of once bitten twice shy. The terms thereby are by no means " modification '' as you call it, and do not proffer any solution to our current predicament. You put the interest rate at 4.95 % which was what it should be anyway as this was the interest rate prior to the previous modification. We faxed you a copy of the agreement with XXXX XXXX  to reduce the initial interest rate from 5.9 % to 4.95 % but you claim you did not receive it. Also on your modification, we will pay {$3200.00} for 417 months and at the end of maturity of the loan we will still owe you {$130000.00}, please explain what you mean by that. And what do you want to change the maturity date? We would not have agreed to that anyways as we dont want to pay mortgage into our graves. If you claim to reduce the interest rate why do we still owe you this much. Also how did the principal balance get up to {$520000.00} from {$520000.00} when it was transferred to you? It not does look like your investors are ready to provide any help in anyway. This obliviously seem like another sharp practice and we are not falling into this trap again. We just sent you the rest of the required documents on Monday XX/XX/XXXX, your modification is dated Tuesday XX/XX/2017, this tells us no due diligence was put into this modification agreement. We hereby seek a short sale or deed in lieu if no reasonable modification can be offered. We are tired of all these sharp practices and Shylock decisions and we need our peace. Attached is a copy of the XXXX XXXX  interest rate reduction. So how have you helped us? We were having trouble at 4.95 % that was why we had the modification then. Current home mortgage rate are in the 3 %. 

Thank you!
Product: Credit reporting or other personal consumer reports

My XXXX XXXX ( XXXX ) credit card was paid in full on XX/XX/XXXX. I immediately requested that XXXX XXXX close my accountand within hours my online account reflected the closure. 

XXXX had updated all 3 of my credit bureau reports on XX/XX/XXXX, XXXX  days prior to the payment in full and final closure date. 

Had XXXX reported my account properly, the credit bureaus would have had the correct information ; however, I have had decades of problems with XXXX keeping a custodial bank account open that should have been closed in XXXX, but still remains open no matter how often I call and request they close itso I am NOT at all surprised that they also failed to report my credit card status properly. 

The reason for my complaint today is that on approximately early XXXX, XXXX, I filed disputes with all 3 bureaus ( Trans UnionTU, XXXX and XXXX ) requesting that my credit report be updated to reflect I no longer owe XXXX anything and the account should reflect a closed status. 

I spoke with XXXX XXXX on the same date in XXXXand they, too, submitted a dispute request to ALL 3 bureaus on my behalf. 

Both XXXX and XXXX updated my credit report to reflect the correct info. However, TU failed to properly investigate, because, had they done sothey would have received the correct info, just as the other bureaus had received. 

After chatting online with 2 TU repsgetting disconnected twice in the middle of both chat sessions I still have incorrect info on my TU  account regarding my XXXX credit card. 

Again, had XXXX properly reported my credit card info as closedas aggressively as they report customers open accounts, I would not have had to fight with TU to properly investigate my disputewhich they have NOT done. 

Thank you for your assistance in properly rectifying my issue, XXXX XXXX XX/XX/XXXX XXXX
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 customer financial protection act ( CFPA ) specifically, cash app failed to time timely nd effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotect. Furthermore they dispute resolution was unfair and deceptive. As they did not comply with error resolution requirement under the electronic fund transfer Act ( EFTA ) and regulation E these actions have caused significant inconvenience financial and I see appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 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 These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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: Credit card

To whom it may concern, I have several American Express business and personal credit cards all of a sudden. American Express basically decrease my limit. My credit limit on all of my business and personal credit cards. For no reason, I have never missed a payment. I made all minimum payments because I was doing other business with the cards all of a sudden, they requesting bank statements and decrease my credit limit for no reason. I have a perfect credit score of XXXX and now my credit score have dropped dramatically because of their decrease in my credit limit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My wife was trying to access her account on line via linking a service to the checking account. It was noted that TD Bank was blocking her from enabling applications via internet and it gave us a direct # to speak with a td Bank representative to fix the issue. We called the XXXX XXXX XXXX # and was told that it would be 20 minutes of waiting to speak to a representative, After being on hold for 56 minutes a man came on the phone and said he was unable to help unless we went to a TD location. This is unacceptable we lost the deal, and will be closing td account.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX claim to investigate disputes but as I recently found out the don't all a company has to say is that it's correct no investigation no nothing just word of mouth.
Product: Mortgage

I have grown increasingly concerned about my treatment as a customer ( a long-term and valued one ) by First Financial Bank. I have maintained an active program with this bank for more than 35 years ( including its predecessors before the buy-out ). I have always been in good standing. Recently, I had to take on a short sale of my property in XXXX, Indiana. First Financial was the loan holder on the second. I have signed a promissory note to pay the balance. However, today, when I called, I was greeted with very poor customer service. The behavior of those in the debt office at their corporate office are rude, incompetent and very belligerent. I have been shocked by the level of outright nastiness and lack of cooperation. Amazing. Today, I was told the office would not return my call. This is an appalling state of affairs there. Simply put, they probably deal with hundreds of bad situations. And, they do not really care about those in my position. I am also contacting their leadership on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested numerous times for Trans Union to investigate the accounts they have negatively reporting against my file. They state in their comments they completed the investigation and it meets the FCRA. 

Well it does not meet the FCRA or FDCPA. 

They continue to report an alleged collection account as being opened, Past due balance, high balance. 

XXXX XXXX XXXX & XXXX Please see the attached proof.
Product: Debt collection

Calls repeatedly from a fake local number every day, no voicemail just calls. Sometimes twice in less than a minute. Finally sent an email with the proper debt notice, but continued to call over and over each day. When I had time to step away at work to talk, I asked for the full final bill for the debt, never received it. I asked multiple times when they would call me again. Finally, I decided to settle the debt via payment arrangements. Set them up and when the second payment was to go thru it did n't. Received emailed on Sunday about debt, received 3 calls on a Monday morning, called them as I was confused because of the arrangement that was set. Come to find out they do n't do auto payments which was n't made clear to me previously. Made that second payment and now all of a sudden the arrangements change, the previous person should n't have made the arrangement with me and unless I start paying a larger amount each month they are going to continue collecting/calling me and report me as a non pay. This bait and switch tactic is very unfair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Costumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for the violations. Thank you in advance!
Product: Debt collection

They continue to harrass my family keep calling them hours of the morning and night I never gave them their information! I told them numberous times to stop! They continue!
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged incorrect reporting but I still have inquires left that needed to be removed. I recently checked my updated personal credit report and I noticed that some unauthorized inquiries still remain on my personal credit report. I already contacted the company and asked them to remove their credit inquiries from my credit profile. I also once request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation has long been complete, and you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance. This is my LAST NOTICE for you. Please REMOVE the ITEMS resulting from alleged incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was verbally told over the phone by a rep at XXXX a collection agency for Conns that once the debt was settled, the debt would be removed from my credit report, that is not the case, I settled for XXXX on XX/XX/XXXX and the balance reported on XX/XX/XXXX shows I owe XXXX and another two credit bureau shows i owe over 3k which in turn has taken my score down over 115 points. This account is charged off and should not be reporting each month.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX I received via spam email an " Invoice '' purportedly from PayPal. I did not recognize the amount of {$650.00} or the merchant, XXXX XXXX XXXX, a cryptocurrency exchange. I called the number provided on the invoice, and it was quite obvious the number was a call center in XXXX. I could hear in the background numerous people claiming to be " such and such '' company, none of which was PayPal. When the " PayPal representative '' asked for my person information to " verify the account '', I knew it was a scam and hung up. On XX/XX/24 I spent numerous hours on the phone trying to contact PayPal, but the " customer service '' automated system is non-user friendly and convoluted and I was unable to reach a real live breathing human. On XX/XX/24 I sent them a letter explaining the fraud and requested a PDF, via email, be sent to me to make an official report. I also sent my bank a letter regarding this and they are as difficult as PayPal to reach. However, today I did get a number to the fraud department and spoke to a real person. No charges have hit by account and a fraud alert has been set in place. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe the person responsible for this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was advised today, and I am awaiting any follow up that may occur. Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As a consumer by the law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and or deleting the accounts listed in my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/23 I received a XXXX XXXX credit alert that a lender requested a copy of my credit file. I logged into my XXXX XXXX XXXX XXXX and it shows a new inquiry from XXXX XXXX. This was the info on my alert : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX I called them at the number above and they did not show any new credit in my name and suggested that I contact Experian which I did and immediately put a fraud alert on my account. Experian suggested that I file a complaint with CFPB. 

I have NOT applied for any new lines of credit with anyone since XXXX of XXXX.
Product: Debt collection

My name is XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX. I contacted this institution in regards of two charge off credit cards, they keep reporting it to the Credit Bureaus. They are in violation of the credit reporting LAWS they sent me a statement but never sent me confirmation of HOW these two accounts were actually initiated who did it, they MUST provide me with a signature of me OR even a picture ID of me to verify it was me in fact who opened these two accounts. I am going to be filing a law suit against XXXX if these accounts are NOT removed from " ALL '' credit bureaus within 15 Days of receipt of these complaint. They would take money out of my checking account to pay for those credit cards and if there was no money I 'd be locked out of my account something for which they already been sued in the past and I WAS NOT compensated at all. 
I demand for XXXX to either provide me copies of my signature or picture of my ID, if you can not provide either then you are in the obligation by law to remove both of these charge offs accounts from my credit report. ALL Bureaus. I do not want to ever do business with XXXX again.
Product: Debt collection

On Saturday, XXXX XXXX I received an email about a debt that I do not owe. XXXX XXXX sent an email with at least 7 emails attached. The email header had the ( {$1100.00} ) amount allegedly owed. The body of the email listed my name and how she has tried to reach me several times about the debt. My privacy rights were violated because the emails she listed were family people who all have the same last name ; I do not know all the people listed. 

Also, the amount that is being asked for is not true. The account was closed on XX/XX/2020 and I received a letter from XXXX XXXX stating the account was closed I would be refunded the balance from the company. However, XXXX XXXX is sending incorrect information that the account is past due and active. 

I also reviewed my credit score and noticed an inquiry on my credit. I did NOT give them permission to pull my credit report. This is also a violation of my rights. 

I sent an email explaining to XXXX that I will have my attorney to contact them and I do not want them to contact me. I also asked her not to send emails to the others listed in the email.
Product: Checking or savings account

I received a check payable to XXXX XXXX XXXX a trade name I have on my law practice letterhead. I tried to mobile deposit it to my personal Ally Bank checking account. The bank rejected its deposit saying it was for a business and that they didn't offer business accounts. I told them that I was a sole proprietor and that I'd like it deposited to my personal account since I didn't have a business account. The service rep suggested mailing it to their XXXX office for check processing and to include anything I had that could prove my association with XXXX  XXXX XXXX. I did that but heard nothing for more than a couple of weeks or so. I then reached out to them only to find that they had actually cashed my check. They then refused to deposit the money into my account opting instead to issue me a check again payable to XXXX  XXXX XXXX, which essentially eliminated any chance of my going back to the original drafter of the original check for a replacement. In essence, the stole my check, deposited the funds into their own account and kept me in the dark about what they had done. I then opened an actual business account with XXXXXXXX XXXX XXXX tried to deposit the " Official '' Ally Bank that they sent me to my XXXX XXXX XXXX bank account with XXXX. XXXX rejected the check on the grounds that it wasn't formatted correctly. They wouldn't say exactly what the problem was but after a little digging it appears to be a problem with XXXX compliance. 

All I want is my {$560.00} deposited to my account with Ally Bank. I've spent hours on the phone with their various representatives/supervisors and seem no closer to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, Regarding the following account ( XXXX XXXX : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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.