23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX, NFCU received a 30 day automated lien on our bank acct from NC Dept of revenue for tax year XXXX. In XXXX nfcu froze our acct and placed a lien on our funds. We contacted Nc XXXX of revenue and they show a XXXX balance that is no longer enforceable. They told us that NFCU only had til XXXX to enforce the lien and that it has expired and the acct balance owed is XXXX. They further stated that it was an automated letter generated in error, and that we do not owe anything. We asked for a clearance letter and were told they dont issue them for these temp orders We contacted NFCU and they said the lien has no expiration date, and they froze our acts and said they will start sending all funds to NC til it reaches around {$9400.00}. They refuse to contact the NC dept of revenue themselves to validate what we were told by 2 agents as well as 3 supervisors. We need help and are willing to proceed with legal action.
Product: Mortgage

ditech Financial Services issued a revised billing statement at the same time as ditech announced implementation of the XXXX XXXX XXXX XXXX XXXX platform. The statement date of XXXX/XXXX/2016 does not indicate the date when the statement was likely placed in the mail. I believe that that date could have been about 7-10 days afterward. The statement did not arrive at my address until on or about XXXX/XXXX/2016. I do not believe that ditech has control of their internal mailing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  - XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX has violated my rights. 
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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on XXXX XXXX.
Product: Debt collection

About XXXX of XXXX I received a call stating I owed a debt. I informed the company that I never taken out a loan. The company stated that they needed my address to sign paper work for identity theft. I never received anything or heard from the company again. Starting in XXXX of XXXX my wife received calls stating that they needed my to sign papers and if not they would pursue legal action. One call stated they would try my workplace. I never until early XXXX. When I called the XXXX XXXX XXXX representing Velocity investments, they stated they were going to send verification of debt that would explain in detail who is responsible for debt, on XX/XX/XXXX. As of XX/XX/XXXX the company has not furnished this information.
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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres
Product: Credit reporting or other personal consumer reports

The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Product: Mortgage

I am a XXXX rated veteran caring for my XXXX grandson in my home. Due to a downsizing from my job and loss of my main source of income, I requested a loan mod from Wells Fargo in order to make the payment more manageable and ultimately keep my home. I was denied citing I had too many assets. Once those assets were depleted several months later, I again requested a loan mod but was denied again for the exact opposite reason citing I could not afford a loan mod payment ( not enough assets ). This was clearly contradictory. Which one is it? What is the objective criteria for a loan mod? Instead I was given the option to " apply '' for a short sale both times. I want to keep my home and continue to provide a stable environment for my XXXX grandson. Not sell it. What is the purpose of the loan mod program or the " Home Preservation Program '' as it was called if it was n't to assist those who want to retain their home and make good on their mortgage?
Product: Debt collection

This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report
Product: Mortgage

Hello, I have an insurance claim payment in the form of a check in excess of {$10000.00} that needs to be endorsed by my mortgage company, Freedom Mortgage, so that I can cash the check and make the necessary repairs. I tried to reach them several times last week, but the call dropped every time. I found the mailing address where I was supposed to send the check and sent it to them via XXXX XXXX Mail, it was delivered on XX/XX/XXXX. 

Today I received a voicemail from them asking me to call them, which I again tried to do, I was on hold for a while and asked for a call back, but again the call dropped when they tried to call me. 

I can find no other way to contact them, they have no email address option, I simply want them to endorse the check and send it back to me so I can actually proceed with the work I need to do on the home.
Product: Money transfer, virtual currency, or money service

A wire transfer was sent from my credit union in Virginia ( XXXX XXXX XXXX XXXX or XXXX ) to Chase Bank, XXXX Fl on XXXX XXXX in the amount of {$200000.00} ( XXXX XXXX XXXX USD ) using my name as the owner of each account. In other words, I sent money from me at XXXX to me at Chase in XXXX FL. After 10 days, as of XXXX XXXX, the monies are still unaccounted for. Ive called each institution repeatedly in the past 5 days only to find that each points at the other as the problem. What communications may have taken place between wire transfer departments are unknown to me as Im told the information is proprietary. I was told that because of the amount, the Chase fraud office intervened and held the money although Chase denies this saying they do not have the funds. This transfer should have taken no more than 2 or 3 business days. Now, Im suspicious of fraud in the form of wire transfer irregularity and request your help locating and recovering our money. 

Sender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Chase Bank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX
Product: Credit reporting

There is a legal item under public records on my equifax report and it says " satisfied judgement '' I have absolutely no knowledge of this judgement and i have never paid anything to even make it qualify as satisfied. I reported this judgement as inaccurate and equifax did absolutely nothing about it and its bringing my score down completely. I was never informed of this judgement not have I ever paid it. That public record file needs to be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by J P Morgan Chase Bank for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. Transunion and XXXX still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

Collection account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted.

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.
Product: Credit card

Beginning in XXXXXXXX XXXX XXXX, I noticed a number of fraudulent charges made on an Amazon Prime credit card. Since this card was issued, it has only been used for Amazon services, and in a digital capacity- it has never been used for an in-person purchase. So, for this card to suddenly be used in person is a clear aberration of behavior, especially when begin used for car rentals, fast food and gas, and at times when I was out of the country, recently returned from an international trip, and otherwise not in the city where the charges occurred. Chase deemed these charges valid because they were interspersed with valid charges ( which were, again, made online and not with the physical card, so I'm unclear how that usage makes in-person charges which are so clearly uncharacteristic for how the card had been used to that point seem valid ). 

The charges were initially rebilled, and I submitted an appeal with various documentation which I felt supported my claim ( including an outline of how this pattern of purchases was a clear outlier, and itineraries/receipts which supported my location at the time of these purchases ), but was again denied.
Product: Credit reporting or other personal consumer reports

In XXXX I had received a call from XXXX about a medical bill which had been turned over to them. I was walking into a meeting at that time in which I asked the man XXXX to call me back in a couple of hours to discuss this in detail and he said he would. Never got a call back. I called this company to see what was going on and got ahold of a different rep in which he said he would get the XXXX who was over my account the message to get back with me about getting a copy of the original bill to send into my insurance. A few hours later I get an email with a settlement offer letter stating if this wasnt accepted they would report to the credit bureau and never the bill. I replied right back to the email again requesting the original bill and got no response from there. All these phone calls are recorded on XXXX end. I disputed this and explained this to Experian and after 20 days nothing changed and they closed the dispute saying it was valid. Wanting to take care of this and get this collection account off my credit report and hurting me. Thank you.
Product: Credit reporting or other personal consumer reports

hi. My Name is XXXX XXXXXXXX XXXXXX/XX/year> my ssn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX my phon XXXX XXXX XXXX XXXX I requested XXXX XXXX. and Equifax add my address and ph number .XXXX XXXX costumer service e 5 star he fix my adresss. but Equifax not respond my calls or mails. Can you help me add my adrewsss and ph number in credit report in equfax. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite CLEAR and OBVIOUS FCRA violations Transunion refuses to acknowledge or remove said accounts from my credit files. Due to the fact these accounts reflect inaccurate details my credit and financial health is being injured.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00}
Product: Vehicle loan or lease

Nothing but non-stop issues from XX/XX/XXXX for my XXXX XXXX XXXX loan through KMF. This all started with the dealership forcing the extended warranty and GAP insurance on the contract against my explicit request to the sales rep, her manager, and the finance manager. 

The refund was submitted incorrectly in XX/XX/XXXX by the dealership, which resulted in being applied to monthly payments. This was apparently against KMF 's policy, but went undetected for 7 months. The dealership also sent an erroneous payment, which was also submitted incorrectly and resulted in multiple months showing {$0.00} due. This was corrected in XX/XX/XXXX, but I was penalized for it despite the issue being completely out of my control. KMF treated me as a delinquent customer and requested the full amount due, which was paid promptly. They then ruined my 100 % payment history by reporting delinquent to bureaus for the months of XXXX, XXXX, and XXXX. 

They then assessed the interest completely wrong, hundreds of dollars over by completely ignoring the refund payment and assessing daily as if I never made any payments for the months in question. I have attached my statements, which clearly show {$0.00} for those months so how could I possibly be considered late? 

I should not be penalized for mistakes between the dealership and KMF as I had zero control over how any of it was handled. I have filed disputes with all 3 credit bureaus and KMF has lied to each of them saying that the information is accurate. Contacting KMF I only get the run-around or flat out being told the person couldn't help me at all. These issues have been neglected for over a month.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX
Product: Mortgage

We were set to purchase to sell our old home and purchase our new home on XX/XX/XXXX of last year with a loan from Wells Fargo. The bank had concluded that we had sufficient funds to close on the sale of our home, sufficient income to make our regularly monthly mortgage payments, and had repeated assurances that all of the documentation we had provided was sufficient for closing. 
We hired movers to help us move out of our home XX/XX/XXXX, and they would help us move into our new home XX/XX/XXXX. 
XX/XX/XXXX, as the movers finished clearing out the last pieces of furniture from our old home, we were notified by the bank that we did not have sufficient liquid assets in our accounts to be able to close. This money had nothing to do with funds used for closing. There simply had to be a minimum balance in our account to meet an undisclosed requirement from the bank. We now had less than 24 hours to find {$30000.00} to make up the difference. 
We managed to find it through a rapid liquidation of $ XXXX funds, but it took 48 hours, as banks have rules about moving around such large sums of money. We also could not delay the closing on our original home, lest that deal would fall through, because the buyers of our old home could not change the date of their closing.

We had already planned to spend two nights in a hotel, but that had to be extended for longer because of the bank 's last minute disclosure about additional assets needed. 
We moved the closing by 24 hours, per suggestion from the bank, but they did not meet the commitment to close after 24 hours had passed. They refused to give any timing updates, despite repeated requests through phone and email by both ourselves and the closing attorney. The underwriter did not even start reviewing the loan until after we had committed to close on the sale, which required the recording the closing to be pushed out another day. 
In the end, we managed to close on the home, and did not end up homeless, but it cost us a great deal of wire transfer fees, an additional night in a hotel, and a great deal of anxiety and throwing up over the stress. 
The bank opened an internal investigation and concluded they did nothing wrong. They stated they made an assumption by our original proposed sale price, but never revisited that, even after we notified them of what the sale price would be, which is where the discrepancy came. They also stated that we provided all documentation that was requested of us in a timely manner. 
So, if they did nothing wrong, and we did nothing wrong, what happened that everything went wrong? 
Worst of all, no one from the bank ever apologized. Not even once. 
I followed up with the person responsible for the internal investigation, but they never returned my phone call.
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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My XXXX XXXX and SS XXXX. I have attached my bank SS Card and DL for proof of ID
Product: Mortgage

I entered into Dovenmuehles forbearance process in XXXX. I was told that there would be no penalties and that payment would be deferred to the back of my loan. They told me my mortgage would go from 30 years to 30 years and 3 months. 

The loss mitigation time was supposed to be for XXXX, XXXX, and XX/XX/XXXX only. Dovenmuehle extended the forbearance through XX/XX/XXXX without my consent. I attempted to get out of forbearance without success. I could not make payments online. I had to call their loss mitigation department and they charged additional fees for my bill. After the 6 months was over I had called Dovenmuehle multiple times. They told me I just needed to wait. I made 3 payment a of {$1800.00}. 

I filed a complaint with the XXXX XXXX XXXX and Dovenmuehle finally moved me out of loss mitigation. Dovenmuehle stated I only needed to sign paperwork and send it back to them. I received two documents from Dovenmuehle both stating I was being removed from forbearance. Yet neither of these documents had anything for me to sign or return to them.

I sold my house and close on it tomorrow XX/XX/XXXX. Today XX/XX/XXXX I found out that Dovenmuehle put a lien on my house for {$13000.00}. 

I bought my house for {$220000.00} and I currently owe {$220000.00}. However, my closing statement with the lien was for {$230000.00}.
Product: Mortgage

My hardship begain back in 2008. Over the past few years it has been a very difficult struggle.Due to these circumstances ; I 'm now on a fixed income. As a result of me now being on this fixed income I have no savings and all of my bills are now deliquest with the exception of my mortgage. I 'm so afraid to llose my home. My XXXX income is only {$XXXX}. My monthly mortgage payment is {$1400.00} and from that amt., only {$170.00} is being applied towards the principal. Without assistnace from my family member 's I would not be able to save my home. The Lender has denied the loan. I trulu need assistance. I have no place to go at this point in my life.
Product: Credit reporting or other personal consumer reports

In accordance to the fair act convergence account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

The company has reported to the credit bureaus that I have an overdue bill that has not been paid and is now in collections. I have not been notified in writing by this company and they call me on a weekly basis. I have asked them to please send something in writing and they ask me for my personal information and when I refuse to do so, they hang up on me. 

I want written proof and verification to settle if valid but how can I do that if they will not send me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX EQUIFAX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove.