23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX XXXX  XXXX / XXXX XXXX / XXXX XXXX
Product: Credit card or prepaid card

I had a fraudulent withdrawal in XX/XX/XXXX with my credit card with Capital One. I reported the withdrawal as a fraudulent transaction and was temporarily credited the money. The money was taken back after they concluded that it was not a fraudulent transaction. I had guests in my home when the transaction took place and my card was used without my permission or consent. It is still fraud. Even though my PIN number was used, I had all my PIN numbers written on a piece of paper in my wallet. That is how my PIN number was exposed. I am irritated that Capital One refuses to reimburse me for this. They exposed the data in a breach that I am still suffering from. I have had this account since XXXX and been a good customer. I need my money back for the fraud
Product: Money transfer, virtual currency, or money service

I was asked to pay {$300.00} for a vacuum cleaner. I did on XX/XX/XXXX. I was then told they'd refund me, because it'd make their life much easier if I could instead pay their business account. 

They sent a picture showing that they had refunded me, and had them split the next invoice they'd send me in two. One, to pay in the short term, and another to pay once the refund showed up in my bank account, because I didn't have enough money in my account to pay the full {$300.00} at once. 

Until this point, this seems like something that is entirely my fault. After this, however, I did receive an invoice from a business account. ( Pictured in attached images. ) I figured, okay, CashApp considers this guy to be a business owner, so it must be legitimate. 

I paid the first new invoice ( worth {$50.00} ) on XX/XX/XXXX. 

I then spoke to two CashApp support agents to attempt to see if he actually sent the refund. They said he didn't. It soon became clear I was scammed, and CashApp mislabeled a scammer as a business owner. 

In trying to collect information to report the scam, it became pretty clear to me that this is someone who used two accounts to scam me and who owns several other accounts to scam others. One of the accounts used to scam me was a business account, raising the question of if CashApp did any verification or background checking at all before giving them the business label, and of what the point of labeling accounts as businesses is on CashApp if it provides no assurances to buyers. 

I was scammed by someone whose username and real name matched many almost identical accounts ( very similar name patterns in the usernames, similar appearance on some account pictures, same name registered to those usernames, etc ) on CashApp. and have found by typing in his name into CashApp that ( based on the common suffixes ) CashApp has allowed him to create many, many obviously near-identical accounts without doing anything to stop the scammer. I imagine that doing similar on XXXX. XXXX would be nearly impossible, because XXXX actually collects your identity and makes you do a ton of work to verify people, their businesses, etc. CashApp, on the other hand, has just been enabling this person 's scams and, in the process, endangered me and others.
Product: Payday loan, title loan, personal loan, or advance loan

Based on the proof of electronic payment from XXXX XXXX 
XXXX sent on XX/XX/2023 to the payee account number XXXX with transaction ID XXXX for {$800.00}. 

The biller 's name was American Express with address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I attached proof of payment from XXXX. Please investigate account XXXX for XXXX XXXX. 

Thanks
Product: Debt collection

XXXX XXXX  tried to tell me the there was a debt from a credit card that i owed and that they will sue me and take me to court if i dont resolve it asap. they told me information that was wrong about my account and gave me wrong dates that did not apply to me. I have already made a payment arrangement with a debt collector that i know is ledgit and am working with them. they took my debit card information ( i have since cancelled it and got a new one ) and also put a stop payment on the account so they can not charge it. i reported it to the XXXX XXXX XXXX  as well.
Product: Credit card or prepaid card

Discover Card- From XXXX XXXX XX/XX/XXXX i was on tour i have documents need to prove i was on tour at the time. I was charged a XXXX dollar delinquent charge without knowing while i was working. it increased and now i'm in a bind because i didn't have internet on my base
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute about several unauthorized inquiries that appeared on my credit report. According to my most recent credit report, there are several inquiries made by numerous companies that I do not recognize nor have authorized. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have also checked my own records and do not have any accounts or applications with these companies. Therefore, I find it unusual that there are inquiries made in my name. 

Please provide me with written confirmation that these unauthorized inquiries have been removed from my credit report. I also request that you inform me of any actions you take regarding this matter. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Complaint Regarding Unfulfilled Upgrade Welcome Bonus Offer and Poor Customer Service by AMEX In XXXX, I was assured by an AMEX representative that I would receive a welcome bonus offer XXXX points as part of my card upgrade. Despite this promise, I have not received the offer. From XXXX to XXXX, I contacted AMEX customer service multiple times. On four separate occasions, different representatives reassured me that the offer would be applied to my account, but this has not happened. 

This situation is deeply troubling as it feels deceptive and amounts to fraud. The repeated assurances followed by inaction and denial are unacceptable. During my most recent call, the representative not only denied the existence of the offer but also displayed a poor attitude and unprofessional behavior. One of the representatives I spoke with was named XXXX. 

I have recordings of these calls where the promises were made, and I request that AMEX re-listens to these recordings to understand the extent of the issue and the commitments made by their representatives. 

Supporting documents : Attached are recordings of the calls with AMEX representatives where the upgrade welcome bonus was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the XXXX data breach, I'm now freezing my credit and activating fraud alerts through the top reporting agencies : XXXX, Experian, and XXXX.

I have succeeded in freezing my credit with Experian. However, for no stated reason, they will not allow me to activate alerts online. Instead Experian requires I send a letter requesting fraud alerts filled out and mailed to them.

This is an inexcusable level of service. It is excessively onerous to ask everyone trying to protect themselves from the endless data breaches due to lax corporate security measures to mail in requests. And possibly an intentional deterrent on Experian 's part. Online account management is crucial for people to be able to monitor their credit through these agencies.
Product: Mortgage

The companies are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Trust, XXXX, XXXX XXXX, XXXX, FCI Lender Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX ( 3 assignments ) there have been numerous assignments of my mortgage which I believe are fraudulent. There were 8 assignments in just the last 9 months. I have paid interest on a XXXX dollar loan since XXXX at 8 % and have never received a IRS form XXXX which I believe would have helped me when I filed my taxes each year. Also I made two lump sum payments totaling approximately {$630000.00} in XXXX. I never received an accounting of my balance until last month and FCI Lender Services and XXXX XXXX XXXX state I still owe over {$400000.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting some late payments that are NOT accurate and I would like you to update late payments to ON TIME PAID AS AGREED.I have listed the account name and account number below along with the dates you are reporting late and those dates need to be changed to PAID AS AGREED. 




ACCOUNT NAME XXXX XXXX XXXX # XXXX This account has a XXXX XXXX day late and a XXXX XXXX day late XXXX Dates reporting NOT accurate:XXXX, XXXX Please fix this problem immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate. Thanks for your help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

My bank of America account was closed because of unauthorized transactions that I did not give permission or did not do and they did not give me my funds and they closed my account and took all my money and this was back in XXXX to XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, especially in light of the recent CFPB lawsuit, which highlights critical shortcomings within the platform. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings suggest that Zelle has not only failed to adequately protect consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer safety.
Product: Student loan

Good afternoon. My name is XXXX XXXX and I am a victim of what seems to have happened to many regarding federal student loan forgiveness. Premier Student Loan Center got in contact with me in XXXX of XXXX and we moved forward with forgiving some of my student loans. They asked for {$900.00} upfront to provide their service and to pay $ XXXX/month for 20 years. Originally I was paying {$90.00} and it was really hard to make payments on top of all the other bills I had after college. They told me to not pay attention to my XXXX  bills because with PSLC all I had to do was pay them, and they forgave thousands of my debt, then PSLC would be the ones paying off my XXXX  bills. I have worked with consolidation companies before so this did not seem fishy to me at the time. It has been over 3 years since signing all these contracts and I have been paying them every month, but since XX/XX/XXXX money stopped getting taken out of my account. I tried calling PSLC and I heard an automated message saying that PSLC is under investigation and all the money I paid into the program has in fact NOT been getting paid to XXXX, which is what they promised. None of the thousands PSLC forgave actually posted to XXXX, and now I am being sent all these past due bills from XXXX since this whole time apparently PSLC has not been paying XXXX. I only went with PSLC because their website and reviews were accredited by the XXXX. Turns out, the XXXX  are the ones actually suing PSLC. I paid all of this money and I trusted PSLC to consolidate my loans and get me on a successful payment plan. Doing PSLC math I only owed {$2000.00} left. According to XXXX, I still owe almost {$8000.00}. I need some sort of resolution or to be put as one of the victims in the class action suit against PSLC. Please help me!! I have all the contracts that were signed by me and PSLC to show how much I owed. Someone please please get in contact with me to resolve this very unfortunate issue. The contract I signed said I only have {$2000.00}, but with XXXX  it says I owe {$8000.00} still. This business was originally approved by the XXXX, and I want my contract to still stand with me only owing {$2000.00}. With XXXX, before when I kept making payments to PSLC I received a bill from XXXX  every month saying my balance was {$0.00}. Now it's saying I owe them $ XXXX/month since PSLC does not exist anymore. So if it was originally approved by the XXXX  and XXXX recognized this business as a consolidation company, then me owing {$2000.00} should still stand, not {$8000.00}. I am seeking to get back {$6000.00} to bridge that gap of what was supposedly forgiven by PSLC so I can pay XXXX.
Product: Debt collection

I noticed a derogatory notice on a credit monitoring service. The bureau listed is Hunter Warfield ostensibly representing XXXX XXXX Apartments seeking a debt payment of {$100.00}. I did live at XXXX XXXX at one time. However, I have not received written correspondence ( mail or email ) explaining the demand for payment from either XXXX XXXX or the debt collection agency Hunter Warfield. Moreover, I have not received a phone call either. I have all mail forwarded from my previous address and my phone number has not changed. I don't believe it is a fair practice to file against someone's credit without notifying and explaining the demand for payment. I had no opportunity to dispute the payment request.
Product: Credit card

I paid my entire credit card balance on time and was still charged {$81.00} interest penalty by XXXX Credit Card ( Goldman Sachs ). When I spoke to a customer representative, they would only agree to waive {$25.00} because, according to them, my payment was one hour late. An {$81.00} interest penalty under these circumstances is ridiculous and unconscionable.
Product: Credit reporting

my name is XXXX XXXX my ss and im having a hard time disputing several accounts with equifax and i also havw had several accounts removed from both XXXX and equifax and all of the sudden keep reappearing, idont understand and several accounts are from several years ago or the accounts are closed one account is from 2008 this is ridiculous and i need to find out howm to have these permentatley removed as o thought was to happen anyway i was on XXXX and for some reason equifax keeps saying my information does not match which is bologna its a ; ways a rat race with these credit companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a forbearance with XXXXXXXX XXXX XXXXXXXX and was completely mislead. 
Per XXXX, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and XXXX refuses, they stated letters were sent to me. I explained that my XXXX year old mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and XXXX knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be XXXX. I am a registeXXXX XXXX XXXX XXXX. I am sick over this. I don't know where to turn for guidance, please help me.
Product: Mortgage

Shellpoint is a Mortgage company. I need them to add to my Credit report that XXXX, XXXX, and XXXX have been paid for the year of 2023. The account is closed and they will not help me to fix my credit report. I am XXXX XXXX  and am having a very hard time needing help solving this problem. I can not access to the account because they said is closed and can't help me anymore. I am trying to buy a home, is very frustrating knowing that I have no home and can't get a Loan till Shellpoint add the XXXX month to my Credit report that those XXXX months have been paid. Please help me fix this problem so my Lender can help me get a loan so My family can be in a home. I am XXXX and would appreciate getting the help I need here, I can not talk over the phone, But can be reached at XXXX. Hope to hear from you son. Thank you.
Product: Mortgage

I applied for a loan with Rocket Mortgage. I was initially approved for a XXXX loan. I eventually was approved for a loan up to {$500000.00} with a 3 % interest rate and an estimated payment of {$2800.00}. During the underwriting process I received several documents showing updated estimates of various costs. I obtained quotes for wind loss and peril insurance as well as flood insurance. On XX/XX/XXXX I received the closing disclosure document which showed estimated taxes of {$1600.00} and annual insurance costs of {$3700.00}. However the information that I had obtained and provided to Rocket Mortgage on XX/XX/2020 indicated that my total annual insurance costs would be approximately {$5300.00}. The estimated taxes verified by the property appraiser showed that they could be as much as {$10000.00}. In discussion with Rocket Mortgage associates, on or about XX/XX/2020 XXXX XXXX disclosed that the estimated taxes based on information obtained from the property appraiser would be {$7700.00} without a homestead exemption. The difference in the costs for insurance and property taxes between what was listed on the closing disclosure will result in an increase of {$500.00} or more to the monthly escrow payment. Once this increase occurs, my debt to income ratio on the back end will exceed 43 %. I believe this exceeds the debt to income ratio for a conventional loan. I pointed out issues with the estimated taxes and insurance to Rocket Mortgage staff on multiple occasions including XX/XX/XXXX via email when I asked for an updated closing document with the higher more realistic costs for insurance and taxes included. Eventually I conducted my own analysis and determined that my debt to income ratio with the higher taxes and insurance costs would exceed 43 % and would be closer to 46 %. 

I expressed to Rocket Mortgage staff on XX/XX/XXXX via email that I did not wish to move forward with the loan because I expected my monthly payment would be much higher than estimated and would be somewhere around {$3300.00} possibly more. I requested not to move forward with the loan and asked for a denial letter to stop the closing process. It is my opinion that Rocket Mortgage staff has not been truthful in determining the true monthly payment. They have ignored evidence of higher monthly costs, and ignored the debt to income guidelines. I am being forced to either continue with a loan I can not afford or lose my deposit of {$11000.00}, because of their refusal to decline the loan. Their refusal left me no other option but to withdraw for my own financial safety.
Product: Credit card or prepaid card

Card opened between XXXX XXXX XXXX and XXXX XXXX XXXX. 

Company name- CBNA/SEARS I had gotten a notification on my phone that I had a new credit inquiry. I know I have n't applied for anything because I and trying to rebuild my credit! I checked the inquiry and did not recognize the name of the company and know that I do not shop at sears! Looked for a phone number to the company but could not located one via the internet. I just want this off my credit
Product: Debt collection

Was a victim of identity theft a fraudulent account was open in my name using my identity would not furnished me a copy of a sign documents with my live signature on it.