23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

previously disputed capital one revolving account with a balance of {$670.00} reporting payment status of charge off. I have asked multiple times to verify account stating my signature on it and verifying this debt is mine. I have not received anything.l have been contacted by a fraudulent collection companys in the past for unsustained debts for that reason its that I am asking for full verification of account as I do not recall having this account open. date less active is reporting XXXX XX/XX/XXXX by XXXX XXXX and XXXX while XXXX is reporting XX/XX/XXXX. payment history is reporting consecutive charge off as if it was some sort of payment method by XXXX. From what I have understood there is no way that you can report payments on a dead account.
Product: Student loan

I submitted for XXXX through Mohela on XX/XX/XXXX. I found out that I needed to transfer my loans from my previous loan servicer to XXXX  XXXX which then transferred them to Mohela in XXXX of XXXX. In XXXX or XXXX of XXXX, I was told that XXXX payments had been accepted for PSLF forgiveness. When I contacted Mohela to find out why only payments between XXXX and XXXX were accepted, I was told that they were waiting for more information from the Feds. 

I contacted Mohela at XXXX on XX/XX/XXXX to find out why only payments from XXXX were considered in my forgiveness count when I have verified employment from before XXXX. The representative I spoke with could not figure out why that was either. He told me he was going to put in a request to figure out why no payments before XXXX were considered. He told me to wait XXXX weeks before calling back to check on the status of this request. 

On XX/XX/XXXX, I received a letter from Mohela ( even though I've requested electronic correspondence many times ) essentially informing me that I do indeed have an account with them and that I can check my XXXX  progress on the website. 

On XX/XX/XXXX I called to follow up on my original request since it was NOT addressed in the letter I was sent. I was told to be patient and that some XXXX requests would be fully processed in XXXX and others not until XXXX. 

I have tried to contact Mohela in XXXX and XXXX of this year and have not been able to reach them because of high call volume. They are not a very user friendly company. 

My complaint is that I've submitted all the appropriate paperwork and am still waiting for forgiveness after 18 months. No one seems to be able to answer my questions. I've been paying on my loans since XXXX.
Product: Mortgage

Hello, I have a mortgage loan serviced by Lakeview Loan Servicing , LLC. Lakeview has made it impossible to service my loan or talk to any representative to make a payment as of XX/XX/23. Their website is a complete disaster and will not allow any payments to be processed and their customer service phone number continues to disconnect when calling. Their website has deleted all of my payment account information. I have no way to make a payment on my loan or receive confirmation that payment was made or confirmed.
Product: Credit card

This complaint is regarding my citi bank credit card. 

There are 2 credit card specific situations : 1 ) I noticed that there has been a series of transactions that i didn't initiate and most of these are in person transactions- someone is using this card to make unauthorized purchases. I flagged this to citibank and filed disputes through the online portal. 

Citibank apparently investigated and concluded since I had the physical card in my possession, these are all " legal '' charges and I ought to be responsible for them. I spoke with them on the phone a few times, and confirmed that I have not made these purchases, but they still didn't do anything about them. 

2 ) They blocked the original card and sent a new card. I never received that card because my address was not updated on the portal. I am seeing a similar series of purchases on this new card as well. I have disputed the charges, but haven't seen any action from Citibank yet. 

Also, I want to further highlight that Citibank not only put this false burden of paying these fraud purchases on me, but also started charging me interest payments for " not paying '' the bill. 

I have pasted a table summarizing all fraudulent charges below. 


Date Description Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXXccount number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$220.00} XXXX XXXX Account number : XXXX Balance : {$810.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These CAN NOT be accurate because the XX/XX/XXXX late payment says it was 90 days late but my XX/XX/XXXX payment was on time which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit by several companies due to XXXX repeatedly placing XXXX XXXX XXXX Bank acct XXXX ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX XXXX They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX XXXX XXXX acknowledge the fraud. XXXX & XXXX have even requested the information be updated in the XXXX system XXXX Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did noy comply with err resolution requirements under the Electonic Fund Transfer Act ( EFTA ) and Regulations E. These Actions have caused significant inconvenience and financial loses, and I seek appropriate redress for these violations.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXXXX/XX/XXXX has violated my nghts. 
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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer do not consent to.

Inquiry on my TransUnion credit report. The company is XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent name of relative XXXX XXXX deceased is associated with mailing address of current XXXX XXXX. Cover-up or hiding of student records using deceased name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, when I was going through my mortgage process, I was told that I needed flood insurance. They then provided me with insurance from XXXX XXXX. Since then, my mortgage company has changed to PHH Mortgage. In XX/XX/XXXX, PHH Mortgage, increased my bill from {$1700.00} to {$2600.00}. I called and questioned the almost {$1000.00} increase. They told me that back in XX/XX/XXXX, unbeknownst to me, my flood insurance went from {$430.00} to {$7700.00}. PHH Mortgage nor XXXX XXXX notified me of the increase. PHH Mortgage took it out of my escrow and left a negative balance of more than {$4000.00}. They said I should've noticed it in my statement, but PHH Mortgage promotes paperless billing and the use of an app which was recently updated and only really highlights what I should pay each month. PHH Mortgage says that they only do reevaluations in XXXX and that it has already been 5 months since the change was made. I will have to pay the increased mortgage until the XXXX is paid back and my escrow is in good standing ( Good standing being about XXXX XXXX  at this point since the flood insurance is so high ). They didn't have any updated information for me to contact XXXX XXXX. When I finally got in contact with XXXX XXXX, they told me the same thing. They offered me a premium for {$3500.00}. They said that I would have to pay upfront on top of {$7700.00} in order for me to get a refund. They will not tell me how much they can refund me unless I pay and then cancel. I'm assuming since the period is almost halfway over then they will only offer me half the amount, which means I will get nothing back. For me to get a new flood insurance, I would have to come up with about XXXX XXXX  within the year. When I took out my home loan, they verified my income to make sure that I would be able to pay my mortgage and now it seems as they are deceitfully trying to make it so that I'm not able to pay it. XXXX XXXX claims to be giving me a FEMA/NFIP quote but I contacted FEMA and they are saying this is not true. PHH Mortgage or XXXX XXXX  or both might be preying on new homeowners that don't understand that private insurance companies are able to inflate their premiums at any point without approval.
Product: Credit card

I called the company which is American Express and told them I had no knowledge of the account being made nor did I authorized them to create an account in my name and they told me it was hard to close the dispute because a flight was booked in my name but I told them I have a police report from before the account was made and also my ssn, Drivers license was compromised and people now have access to my personal information
Product: Mortgage

I have tax escrow account through US Bank for my mortgage. I was issued the escrow check in XX/XX/XXXX and paid the county once it was XX/XX/XXXX for tax purposes. I forgot about the check and ended up sending it in 8 days late, which was my fault. The bank stopped payment on the check, I believe on XXXX XXXX, without talking to me to see if it was paid. I was assessed {$150.00} in interest and penalties which I am fully responsible for. My problem is that once the payment on the check was stopped, the bank then assumed responsibility to pay the taxes since they still held my escrow. I called the bank immediately upon receiving notice that the check was stopped and they assured me that they paid it. The county did n't receive the payment, so I called the bank again the following week. I was again assured that they sent a check, it still was not received by the county. I called a third time and was told that the check was sent to the county on XX/XX/XXXX and I would incur no more interest or penalties from the county because it was postmarked before the second month that it would be late. They did n't actually send a check to the county until XX/XX/XXXX, resulting in a second month of interest and penalties of {$150.00} which I should not be responsible for. There was absolutely nothing that I could have done to prevent the second month of interest and penalties other than call them repeatedly, which I did, because they held the money to my escrow. Instead of taking responsibility for the second {$150.00} charge, they took the entire 2 months of interest and fees from my escrow account. I called the bank a final time today, XX/XX/XXXX, to resolve the issue and I was escalated to the manager who refused to accept any responsibility for the late payment and hung up on me mid sentence. Every time I call, US Bank verifies my phone number, so the hang up could not have been an accident because they did n't call me back. I see no other recourse other than to file this complaint.
Product: Mortgage

We have evidence of mortgage fraud being committed. In the attachments to this complaint, see the first page of a Deed of Trust dated XXXX ( NationStar ), and take note of the borrower 's address and his designation as 'an unmarried man '. It is a matter of public record that he was married in XXXX ( we lived here and rented from him at the time ) and it is easily shown that his primary residence has been with his wife in XXXX XXXX, CA since at least the time of their marriage. He and his wife come on weekends sometimes and stay downstairs in the garage apartment. No more than 20 to 25 % of any given year. 

Part of his scheme has been to compell us under an implied threat to our tenancy to supply him with a print out of our utility bills which we pay the entirety of. He has said he uses them on his taxes ( tax fraud? ) to falsely establish that this is his primary residence. I have a video of him telling me to do this in the context of signing a new addendum to the lease ( attached ) which we politely contested ( attached ). He has bragged to my partner/co-lease holder once when I was 'late ' getting him the print out, that, as owner, he had gotten them anyway. He also had the water bill changed over to his name. 

This is our predicament. We love this place very much and take good care of it. As a professional XXXX  and XXXX I have redone the entire grounds surrounding it and made a lovely garden. So we do not wish to be evicted, but nor do we want to be complicit in his fraudulent activity. And since he has indicated that he will use our utility bills whether we like it or not, we are seeking help and/or advice as to putting a stop to this. 

Thank-you for your concern
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a consumer report back ground check was checked status complete report number Id XXXX. upon review of that background report, under label 'criminal check by jurisdiction ' an alert was caste. the criminal case found is dated for disposition XX/XX/XXXX. upon review of 'rights of the fair federal reporting act - Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

I am filing this report on XX/XX/XXXX ; 9 years after disposition. This type of outdated negative reporting may cost me my job. that financial loss is an estimated XXXX dollars per yearly income. last year federal taxes report was {$8900.00} XXXX. As you can see. this type of negative reporting is detrimental to my current living and economic status.
Product: Credit reporting, credit repair services, or other personal consumer reports

i AM A VICTIM OF IDENEITY THEFT mY PERSONAL INFORMATION IS STOLEN AND A CRIMINAL THAT I DO NOT KNOW - HAS APPLIED FOR ACCOUNTS THAT ARE NOT MINE THESE ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED PLEASE BLOCK AND REMOVE THE FRAUDULENT ACCOUNTS 1 ) Company or Organization : XXXX XXXX XXXX - CHARGE OFF - AUTO LOAN Account Number : XXXX - amount {$14000.00} 2 ) Company or Organization : XXXX  - CHARGE OFF Account Number : XXXX amount {$2300.00}
Product: Bank account or service

On XXXX XXXX XXXX I opened a Citi Gold checking account with Citibank with an offer stating I would receive XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria. The criteria 's were XXXX ) making {$1000.00} in debit card purchases and XXXX ) making XXXX bill payments in 2 consecutive months, in accordance with promo code XXXX. On XXXX XXXX XXXX I called Citibank to make an initial deposit to fund my newly opened checking account. During that call the Citi Representative confirmed that I was enrolled and qualified for the promotion as long as the requirements stated above were met for receiving the XXXX miles. Then on XXXX XXXX, XXXX I called to activate my new card and confirmed the promotion details and that it was rightfully attached to my account, making me eligible as per the offer presented to me originally. I followed that call by another call around the end of XXXX to confirm {$1000.00} in spending was met, where the Citi Representative again reassured me the promotion I had signed up my account with made me eligible for XXXX miles upon completing the required criteria and it would be credited in a couple of billing cycles after the cycle in which they were met. Once I had met all of those criteria ( by XXXX of XXXX ). I called again in and confirmed with a Citi Representative that I had met the criteria, and was told to expect the XXXX XXXX XXXX XXXX to be deposited into my account by the end of XXXX XXXX. On XXXX XXXX, I called again to update my contact and address information, and during that call I again inquired about the status of my promotion bonus, the Citi Representative reviewed my account and confirmed that I had met all the requirements and to expect the bonus by end of XXXX XXXX. 
Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They are now suddenly stating I am not eligible for the XXXX promotion. This is despite multiple conversations and reassurance and confirmations from Citi Representative over the course of 6 months. This is not right and I 've been lied to all this while. 
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with it.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit report.

Fraudulent Accounts 1. XXXX XXXX  - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX XXXX - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 3. XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} 4. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} 5. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 6. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$700.00} 7. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 8. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX  is trying to sue me for a {$1200.00} debt that isnt mine I then closed the account when I found out and they told me it was closed then the summons came.