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

Yes I have 3 transactions that were unauthorized on my cash app account I had got 3 deposits 1 of them was cash I deposited myself and the other 2 deposits were sent to.me but the weird thing that happened is all 3 were used to make XXXX purchases and who ever did this on my account with my money got the XXXX  and sent it to someone's wallet address in XXXX some persons who ever sent it on some site called XXXX I did a little bit of researching through the XXXX  explorer so far that's all I found out my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number on account is XXXX but my personal number is changed to XXXX XXXX XXXX if you need to get ahold of me and my other email is XXXX that's my business email I am owner of construction company anything else you need from me let me know but I tried to resolve the issue with the company and cash app doesn't Want to do anything for me and that ain't right unauthorized transactions means someone was in my account other then me and I need my money back it totals out to about XXXX dollars refund is all I'm asking for because they say they are insured for people who are victims of fraud and I know by law they are requires to do a refund for me in the amount of losses I suffered from. Order Type Market Order XXXX Purchase Price {$59000.00} Bitcoin Amount XXXX XXXX Total Purchase Amount {$200.00} Fees {$3.00} Taxes {$0.00} Total {$200.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been trying to use my card. It keeps declining,, Ive called they tell me it froze they cant tell me why, I call back she says it froze they trying to verify a check I cash, which they ask for someone to speak with I give them the numbers to XXXX XXXX now they tell me its not verifiable numbers to XXXX XXXX, Im not understanding this problem at all, I have {$1200.00} in my account already they place a hold dont let me get my money Ive called, Ive went to branch, they tell me everything is by phone. Really confusing, not telling me anything I have to do to solve these issues XXXX not understanding why all my funds is being on hold as well?
Product: Vehicle loan or lease

I have a leased vehicle with XXXX XXXX XXXX XXXX which is a buy here pay here dealer. on XX/XX/XXXX they abruptly and permanently closed their business with no notification to the customers. They in turn sold our information to debt collection agencies. i am filing this complaint to get the title to the vehicle i was purchasing.
Product: Credit card

II asked for a refund and reason why all XXXX of my gift cards were compromised. Everyone barely speaks XXXX and gives me random aabout of time to wait for refund check. It's been processing since XX/XX/XXXX. I've called almost every day or at least a couple times a week asking for an update, I try to ask for supervisors, the customer service representative argues with me and then eventually I get past to a supervisor. The supervisor either gives me similar or different information. Some days a supervisor tells me you'll see an email for the refunded check in 24 hours other days 7 to 10 business days some days 30 days I've been dealing with this since XX/XX/XXXX and according to their company policy after 30 days it should be done processing and a check should be mailed to me within XXXX. No one is helping me everyone is giving me different answers and I seem to not be able to find someone who actually knows what is going on with my XXXX compromise cards. These are American Express gift cards and for whatever reason they were all compromised and I was told I would get a refund check. 

These are all the gift card numbers XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX Each card has about {$500.00} that needs to be refunded to me.
Product: Mortgage

Mr. Cooper is the new servicer for my mortgage. We pay PMI until the loan is at 78 % and than PMI should have been removed. We reached that threshold two months ago. Servicer will not remove PMI because they are stating it is not set to be removed until middle of 2018. We have always paid extra on our monthly payments.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/year>
Product: Credit card

After reviewing my current balance on my Home Depot credit card, I noticed that the promotional " no interest '' period had ended. My original balance was reduced from approximately {$5400.00} to {$3600.00} on my card. However, an additional {$3300.00} in INTEREST was applied after the " no interest '' promotion was over. This is 59 % interest charge! My interest rate on this card is nowhere near that high, and this charge is excessive.The company NEVER DISCLOSED THE INTEREST RATE WOULD BE AMPLIFIED TO 59 % .THIS IS OUTRAGEOUS.
Product: Credit card or prepaid card

i purchased a XXXXXX/XX/XXXX XXXX XXXX phone from the XXXXXX/XX/XXXXi am unable to activate this phone as XXXX XXXX  has a different email than the email i am using to sign into my goole account and XXXX fi will not tell me what email they have. i have attempted to return this phone as it is useless to me as i cannont activate it. XXXX store says we are closed due to the pandemic. also i have tried to return the phone through the google online store and i am unable to return the phone through the store as they are using a 5 year old email to send me the return label i do not have access to that email i contacted syncrony bank to dispute the charge and was told out of luck they cant help me. i should not have to pay for a phone i can not use
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX SYNCB/LOWES Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX  XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX  XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.
Product: Mortgage

We fell behind in our mortgage with Seterus , Inc. who was bought by Mr. Cooper. I have spoke to our representative who advise us to send payments in and they will put it into an expense account which we have done. Ive asked for a repayment plan to avoid any forecloser and they advised we need to do this. Now when I check our account the money we sent them is coming back to us. We can afford to be on a repayment plan. 
In the past couple of years I havent had the opportunity to work in the summer. Im now working 2 jobs as well as my husband. We are able to make our monthly payments which we have been doing we just need to catch up on the 4 months were back and would like to add to our monthly payments over 6 months to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX/XXXX  inquiry XXXX XXXX XXXX/XXXX XXXX inquiry XXXX XXXX XXXX inquiry XX/XX/2018 all hard inquiries that I have no knowledge of an should be removed from my credit immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore I am requesting Equifax to show necessary proof of investigation.
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 fail to take time and effective measures to prevent and address fraud on there 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 Regulations E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, said All Accounts Were updated and VERIFIED.XXXXEquifax, Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED FROM MY CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX compass account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

This case is public records XXXX XXXX XXXXXXXX XXXX, we didnt receive XXXX or accessories, they customer broke my XXXX. We won a judgement against this company customer XXXX
Product: Money transfer, virtual currency, or money service

Ref : XXXX - I sent a simple transfer 0f {$1200.00}. via Moneygram to XXXX, to a personal Debit Card at XXXX XXXX. The money has been in transit for XXXX days when it should have taken no more than XXXX day. When I call Moneygram Customer Service to find out what happened, they tell me they are checking and investigating will take XXXX DAYS!!!!!!!! RIDICULOUS. We use their service for urgent, fast transfers. When there is a problem, they should be able to get back to us within XXXX - XXXX hours. MONEYGRAM HAS LOST MY MONEY!!!!!!!!!! 

I urgently need the money to be received by the receiver OR return the money to me!!
Product: Money transfer, virtual currency, or money service

XX/XX/22 was the date the fraud happened and when all of disputes were filed. I contacted my bank to file the dispute of {$350.00} and {$500.00} from me being scammed because I was selling stuff to get money which I dont have a lot of hence why Im selling stuff. A person wanted to use XXXX and I was later emailed by someone who was acting as XXXX and I sent the money not knowing that XXXX doesnt email customers. I filed a dispute with my bank but they said that it was my fault and they wont refund my money.
Product: Debt collection

XXXX XXXX gave TWO companies, IQ Data and XXXX my debt. There is record of both companies with the original creditor ( XXXX XXXX ) on my credit files. XXXX removed their files when they found out that XXXX XXXX illegally gave my debt to, two different companies. IQ data is refusing to cooperate and delete the credit file from my XXXX report. It is not showing on my XXXX  but is still showing on my XXXX. I have disputed it multiple times but XXXX XXXX seems to have them believing that they are correct but when XXXX reached out to XXXX XXXX inquiring about IQ data, XXXX XXXX never responded in which they had to remove their credit files. This has falsely impacted my credit in a tremendous way, I have spent years and months trying to get this removed with the little knowledge that I had but I know more now and IQ data, XXXX and XXXX XXXX have done me wrong the past 5 years and I am going to be seeking compensation because theres more to this story than people know which involves the property manager at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is in response to XXXX XXXX discontinuing service on their app. As a result of this occurance, I need full disclosure in writing the intent of doing hard pulls on credit and not reporting to credit bureaus payment history, etc. Please send the po box or registered agent information to receive from me written correspondence in any event XXXX XXXX, XXXX. XXXX Bank or assigns intend to make attempts to wage garnish or collect on a debt. I was sent a follow up email from this company stating that they would not be pursuing to do debt collection. So TransUnion at their earliest convenience, I demand that they remove this inquiry off of my report.
Product: Mortgage

Was given a closing date of XXXX XXXX, 2016. XXXX XXXX came and we were notified that closing that day would be impossible due to underwriting issues. This was fine, after we were notified we talked to our loan processing rep XXXX XXXX. She told us that worst case scenario the closing would be by XX/XX/XXXX. After been given this information my husband and I took a week of vacation for the week of XXXX XXXX. On XXXX XXXX the last business day before our closing we were notified that closing would again be pushed back. At this point we contacted XXXX 's Supervisor XXXX XXXX, he assured us that worse case scenario the loan would be complete and we would be able to close on XXXX XXXX. Well it is now XXXX XXXX and at about XXXX we were contacted by our loan specialist XXXX letting us know that now we are looking at closing on XXXX XXXX. This is ridiculous. Not only has my family been living out of packed boxes since XXXX XXXX but my husband and I both used a week of vacation to make sure we would be off to move. Not only have we wasted a week of our vacation but we are constantly be strung along with these false expectations of closing dates that come and go and we are n't notified until the business day before that the actual closing date will be pushed back again. We are due out of the current place we are renting XXXX XXXX, if this closing gets pushed back even further I will owe for another month of rent.
Product: Debt collection

My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently disputed inaccurate collections on my credit report only XXXX has removed the negative items, Im suffering hardship because of these negative items of collections on my report. These alleged debts/collections has not been validated at all and I have applied for a credit card and have been denied because of the improper use of my report. Im seeking these collections to be removed immediately as I have a right to privacy and accurate credit report. They all are to reflect the same information which they do not.
Product: Mortgage

Mr. Cooper was the loan servicer. XXXX XXXX I applied for loan modification. I keep looking at website for update. I called in XXXX and they said it was still being reviewed! I looked today and its said its under review! However I received a letter that its been sold to another mortgage company! 

This should be unfair! Im waiting on a loan modification and they just sell the loan.