23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS XXXX. This starts the cascade of accounting errors. 
On XXXX XXXX, XXXX they notified us that our home loan was sold to XXXX XXXX XXXX Participation Fund XXXX. XXXX XXXX Loans would begin servicing our mortgage effective XXXX/XXXX/XXXX. 
They sent letters dated XXXX XXXX, XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail. 
They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection. 
HSBC/Beneficial sold our loan to XXXX XXXX as a distressed mortgage. This was not the case as we were up to date and even ahead in payments. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX, XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has nothing on my credit report so my credit from them is the lowest than XXXX or XXXX. XXXX doesn't have anything on my credit report. The only credit report company that has updated information is XXXX. Due to Experian and XXXX, I get denied for even a small loan of {$500.00}. I can't even get an apartment due to Experian and XXXX being incorrect.
Product: Checking or savings account

Hi, I had a custodian ban of america account for my child. Without my notice and attention they had started taking XXXX  $ every month from XX/XX/2019. Previous to that for past few years they never charged any monthly maintenance fees. 

This action by BOFA is tantamount to cheating. When the account was opened they never told us there will be an fee for an custodian account. 


Thanks, XXXX XXXX
Product: Student loan

I participated in the PSLF program and began receiving notification of forgiveness in XXXX of XXXX. In XXXX of XXXX, I applied for consolidation so that all of my eligible loans would have the same count of eligible payment periods applied. At that time, all but 2 of my loans were at 121 payment periods. In XXXX of XXXX, I received XXXX notices : XXXX for forgiveness and another that my request for consolidation had been approved. My dashboard on the websites for both Federal Student Aid and my servicer ( XXXX ) showed a {$0.00} balance. 

Some weeks later, I logged into the Federal Student Aid website to begin a FAFSA for my son and saw that the full balance of the forgiven loans appeared as a balance due. XXXX has now started billing me monthly for these loans. I am working with my state 's AG office and have requested forbearance under their advisement. This request, made XX/XX/XXXX, has gone unanswered by XXXX. 

I have data files downloaded from the FSA site from XXXX and XXXX, along with the eligibility notices I've received. 

The forgiveness for my loans was not applied when the consolidation was approved. The consolidation now appears as a new loan of {$120000.00}. FSA shows that the total aid given to me was over {$240000.00}. This is incorrect.
Product: Mortgage

XXXX XXXX XXXX received notification of a secure message with correspondence attached including bogus dates of correspondence sent that I am not aware of receiving ; XXXX XXXX XXXX lender notified via email for second time of housing counselor ; none of the correspondence received from lender mentions knowledge of housing counselor but only that they closed my review; lender now wants everything faxed even though they sent me a secured message ; and XXXX XXXX XXXX email notified via email before their due date listed in loss mitigation package that I was working with a housing counselor ; lender correspondence failed to mention any knowledge of me working with a housing counselor but only that they have pursued foreclosure ; court records showed a preliminary ( XXXX XXXX  ) foreclosure filed and mention that there was no option for mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts : All Accounts
Product: Checking or savings account

PNC will not allow my XXXX app to connect to my account WITH MY SET UP AND AUTHORIZATION!! This app has helped my family out so much during hard times and Id really appreciate it if this discrepancy subsides expeditiously! Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERA applies to any public or private elementary, secondary, or post-secondary school remove all student education records. 20 USC 1232g ( b ) Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I requested the student records to be removed.
Product: Checking or savings account

On XX/XX/2022, I filed Complaint IDXXXX t with the CFPB because of several mistakes made by Truist Financial in the administration of my checking account. 

On XX/XX/2022 I received instructions from the CFPB portal to contact XXXX XXXX XXXX, Client Resolution Specialdistat Truist Financial at ( XXXX ) XXXX. 

From XX/XX/XXXX until XX/XX/XXXX I left 8 phone messages for XXXX XXXX at the number that I was provided and heard nothing until I received a letter from her dated XX/XX/2022 but postmarked XX/XX/2022. 

In her letter ( attached ), XXXX XXXX pointed out another time that Truist Fiancial had mishandled my account and she suggested that I request monthly bank statements from them. 

Truist did not resolve my problem and I was unable to speak with XXXX XXXX, despite that being the solution provided by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

New Rez/Shellpoint mortgage had been haphazardly reporting my mortgage loan to the credit bureaus since they acquired Green Tree Servicing XXXX XXXX. They also issued a late fee on my account last XXXX ( for a payment that reached them XXXX day late ) without my knowledge, claiming they notified me and they did not. I have made each and every payment ON TIME since New Rez acquired the loan. 
I tried calling them and emailing them to no avail. They did not respond to my email and their phone line was always busy. I then filed a complaint with CFPB regarding the late payment and haphazard reporting to the credit agencies. 
In turn, they maliciously retaliated against me and as a response to my CFPB complaint, removed my mortgage loan entirely from the credit bureau reports, causing my XXXX XXXX to drop XXXX points, stating : the loan was involved in a XXXX XXXX Bankruptcy which was filed on XX/XX/XXXX and was XXXX on XX/XX/XXXX. Because your liability was XXXX during the Bankruptcy, Newrez is unable to report the loan to the CRAs. Therefore, Newrez has submitted an interim report under control number XXXX to remove the tradeline due to the XXXX XXXX XXXX XXXX Please allow 7 to 10 business days for the update to reflect with the CRAs. 
The liability may have been XXXX but I have still PAID the MORTGAGE EACH AND EVERY MONTH ON TIME! MY attorney has advised me that NewRez must still report my loan to the CRAs. 
NewRez is suddenly unable to report the loan to the CRAs due to a XXXX XXXX XXXX from XXXX years ago. So why had they been reporting the loan without question since they acquired the servicing of the loan from GreenTree years ago, until I complained about XXXX payment that was XXXX DAY LATE?? 
THERE IS NO LAW PREVENTING NEWREZ FROM reporting my loan to the CRAs. They BLATANTLY did this because I filed a complaint with the CFPB. I will contact the XXXX and supply them with each and every statement showing that not only do I have a mortgage but I HAVE PAID IT EACH and EVERY MONTH FOR THE LAST XXXX years, regardless of a XXXX that was filed XXXX years ago! 
I bought this home in XXXX, as a XXXX XXXX XXXX. I raised both of my children here singlehandedly. I am a XXXX XXXX with student loans that are NOT going to be forgiven. And this is how I am rewarded for paying my mortgage every month? 
Now there is NO record of any mortgage on my credit reports. What is far worse is that NEWREZ/SHELLPOINT has caused my credit score TO DROP XXXX POINTS by callously removing it from my credit reports. With inflation this high, they have now added extra financial burden to my life. The cost of a lower credit score is detrimental to my existence, EVERYTHING will UNFAIRLY be more expensive for me now. 
This is NOT a true representation of my creditworthiness and NEW REZ should be sued for doing this to a XXXX XXXX who has gone through XXXX and back to raise kids, maintain a houseXXXX XXXX during a pandemic and PAY MY MORTGAGE EVERY MONTH ON TIME.
Product: Money transfer, virtual currency, or money service

Attempted to cancel funds sent to person. Bank was unsupportive/unable whole wasting time
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  XXXX previously to fix this issue because their representative made a critical mistake by processing my payment INCORRECTLY. They called me and alerted me they were closing my account due to reasons unbeknownst to me and I paid my account right then and there in FULL, however their negligent employee put in the computer only XXXX causing my account to go into delinquent status. I mean lets talk about what REALLY happened since XXXX XXXXXXXX did not state this FACT and error in their letters they wrote to these credit companies!! 

. Instead of properly admitting this occurrence, ( which was recorded over call ) they wrote a letter stating no mistakes were found but they still asked the bureaus to update my report which is XXXX  and not taking accountability for the NEGLIGENCE on their end.. This is extremely conflicting seeing as how correct info must be reported BY LAW. 

Fast forward to today EXPERIAN is the only bureau falsely reporting this negative and incorrect information. I spoke to one of Experians rep today name XXXX who told me these delinquent payments dont matter because this account is closed but this is a LIE from the XXXX XXXX XXXXXXXX because I am homeless and getting denied apartments for this delinquency so Ill definitely be contacting a lawyer about that. 

Not only that but she transferred me to a supervisor XXXX who denies receiving these letters from XXXX XXXX and rudely hung up the phone on me when I tried to ask for his name and was not helpful at all. Luckily I remembered his name because the first rep stated it. Im filing another report so XXXX XXXX can PROMPTLY and CORRECTLY use the proper language so these delinquencies can be updated to PAID ON TIME because it was!!! 
It is unacceptable to say they are no errors found when CLEARLY they know the horrible mistake they made but if they want to sit and play like they dont know there are definitely attorneys for that because I know this is highly illegal. 


The conversation I had with them about their rep INCORRECTLY processing my payment is also on a recorded call so they cant try to lie their way out of this one. AGAIN.
Product: Checking or savings account

While preparing my XXXX tax information, I noticed some unexpected transactions labeled " XXXX XXXXXXXX XXXX, NY '' on my bank statements. Confused, I reached out to XXXX to get more details, but there were no corresponding transactions in my XXXX account. After researching online, I discovered that others had also been scammed by this company. 

Concerned, I immediately filed a claim with my bank, Capital One. These unauthorized transactions occurred from XX/XX/XXXX to XX/XX/XXXX, totaling a little over {$4500.00}. Unfortunately, the bank only reimbursed the charges from XX/XX/XXXX, leaving over {$4200.00} unaccounted for. 

I'm reaching out in the hope that you can assist me in recovering the remaining amount. Losing that much money is devastating, and while I acknowledge I should have been more vigilant, it's clear that this was a scam. 

I can provide my bank statements if needed.
Product: Money transfer, virtual currency, or money service

scammers!!!! they are incredible doing everything to keep you in verification loops so you can not get your funds! 
I have received money to my paypal fundraiser! I dont want to keep the money in paypal but they ARENT LETTING ME WITHDRAW TO MY BANK! THEY KEEP ME IN CRAZY VERIFICATION LOOPS. NOW THEY WANT ME TO USE MY PHONE TO ULOAD MY ID! THIS IS MAD I DO NOT HAVE A XXXX XXXX! THERE IS NO OTHER WAY TO UPLOAD ID DOCUMENT! SUPPORT IS SENDING GENERIC MESSAGES! COPY PASTE! ITS JUST A LOOP FOR THIS SCAMMERS TO NOT PAYOUT FUNDS!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : XXXX  The " Date Opened '' is listed as " XX/XX/XXXX '' by XXXX but " XX/XX/XXXX '' by XXXX and Equifax, causing discrepancies in account history. 
XXXX  The " Date Last Active '' is reported as " XX/XX/XXXX '' by XXXX and Equifax, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
XXXX  The " Comments '' field includes different remarks across bureaus. XXXX states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and Equifax notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
XXXX  The " Two-Year Payment History '' shows a " 30 '' delinquency for XX/XX/XXXX in XXXX, while XXXX and Equifax report no delinquencies for the same period.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was charged {$3.00} by XXXX on my Capital One Quicksilver credit card ending in XXXX. Unfortunately, there was a glitch in the Capital One app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called Capital One to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired.

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life.

I'd really appreciate your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and didn't get a response within 30 days as required by law to do so. Please investigate my reports please. Thank you.
Product: Debt collection

After surviving XXXX XXXX XXXX. I ended up paying {$15000.00} in medical bills out of my own pocket. Most of these bills I paid immediately. I made sure to avoid ALL medical debt. Yet, after 6 months I start getting calls from EOS. A collection agency based in Texas, even though I 'm in NY state. 

After I deal with the confusion everything is cleared up, or so I thought. A year later they call again. It 's the same two bills. I sent in more specific information. Another year goes by and they call again. By this point I 'm very angry. I have XXXX XXXX, in XXXX call them directly! I 'm left alone for all of XXXX. 

Then inXX/XX/XXXX they call again. I mail them the copies of the bills I paid out of my own pocket all those years ago. This is some crazy frivolous XXXX. We 're talking {$82.00}. I finally consult a lawyer for free and he says it 's fraud. I do not have the money to sue, I became unemployed from the illness. Luckily doctors finally found the problem and put me on the right medicine. I 'm working my way back to a normal life, with a good paying job. 

They are n't stopping anymore. They keep calling with more devious ways to fool me into giving them my personal information. I went to the hospital and printed every receipt I could find on top of the ones I have. I was instructed to never speak with them again. But it does n't stop. Please seek justice on behalf of the many who ca n't afford legal action.
Product: Credit card

Bank of America Customer Service phone line for credit card services hangs up on callers if you do not choose one of their selecttion categories. XXXX. If you have an issue that covers more than one category you can not select the correct category. If you request to speak to a representive you will get a meesage that this option is " not possible '' and will be disconnected. Credit card companies are not allowed to make it impossible for customers to contact them by trying to force a category. Consumers have a right to have their concerns answered without being disconnected by the credit card company. They effectively slam the door in your face if you are not calling for a reason they define and approve. THis is explotative since they promise that consumers have access with their XXXX number printed on the credit card and the statement. Bank of America can afford to allow consumers to speak to an actual person when calling about their credit card service. Very glad I closed my account. They also give you a very dire warning about closing the account, also inappropriate. I had to call 3 times before I actually got through to a person. and was disconnect twice for not meeting their response criteria.
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 address 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 see appropriate redress for these violations.