23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX/XXXX/2015 I put in for a loan modification with Bank of America back in XXXX 2015. I was six months behind on my mortgage. BOA came back said I was n't eligible for modification but they would put the loans payments that I was behind in the rear and extend my loan. Bank of America put me on a XXXX three-month trial mortgage payment of {$950.00} that I completed on time. I received the permanent modification paperwork and fax it back XXXX XXXX 2015 conveniently enough for them they did n't receive it so I refaxed it XXXX XXXX 2015 my case manager said do n't worry about it that would be fine. I received a letter on XXXX XXXX stating they did not receive my signed agreement and that I was denied for the modification and now I needed to start an appeal. Even though my case manager told me she had the signed copy in my file. I been getting the runaround they ca n't seem to find my paperwork I faxed at least XXXX times. I asked my case manager when would my second mortgage be looked at for a modification she told me she 'd start that day and asked me to fax a copy of my paycheck which I did XXXX times because they said they did n't get it. I soon received a letter saying I was denied for my second mortgage modification because I did n't make enough money, my salary is over {$50000.00} a year. I told my case manager that did n't make sense I thought this program was to help people that could n't make their payments. Now my case manager will not return my phone calls every number I call to BOA it sends me back to my case manager she 's never there, she does n't return my phone calls. I tried calling her supervisor he does n't call me back I 'm at my wits end I do n't know what to do. I called the housing assistance Corp they are the ones that helped me with modification in the beginning and she told me to put in a complaint with you, all I 'm looking for the little help to save my home. I see the balance on my mortgage getting bigger and bigger with the fees and the late charges please help. 
Thank you, XXXX XXXX/XXXX/15 Before completing this letter I received a letter today from BOA stating that my appeal has been denied. They stated that I was denied because they were unable to review my loan modification appeal because it did not satisfy the requirements for the appeal set forth the evaluation letter for example it may have been received after the deadline for an appeal or it may not have contained each of the required documents for the appeal. This makes absolutely no sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit card

I contacted the credit bureau due to a notification from XXXX  about anothe acct opened with my information. This acct was open by Capital one and I did not have authorization they provide saying that first the acct ha payments returned I asked what was the balance they said no balance I asked the why would they report it. Rep was rude and kept repeating the acct was closed due to payments returned I told him I never got any information until now and asked to remove the inaccurate information. Rep was rude once again and said he cant do anything about it. The said that they have it investigated
Product: Credit reporting or other personal consumer reports

In XX/XX/2021, I unfortunately faced financial difficulties due to the Covid-19 pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted BestBuy CityBank to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : BestBuy/CitiBank Account Number : XXXX Report dates not specified : XX/XX/2021 and XX/XX/2021.
Product: Student loan

I applied for an IBR they said I would be in deferment until I got approved, I have not heard back from from my application XX/XX/XXXX they took me out of deferment and doubled my payment they sent me an email saying they wanted my income statement for the month and then said they didn't know what I wanted to do with it since I didn't send an application, I sent the application on the XXXX XXXX XXXX site with my tax return now the website is closed for maintenance. I applied for forbarence again to get relief I can't make double payments, they were not supposed to do anything with my loan until I heard back from the Fed student aid application process. Just frustrated I just wanted to lower my payments and get done I am XXXX and don't qualify for anything. Will most likely never pay this off I applied for bankruptcy and you can't include student loan
Product: Checking or savings account

I have a checking account with cash app XXXX and route XXXX I use my card to pay for paralegal services from a company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to draf up a motion for me they did not do the work and I was scamed! I wanted to file a Merchant dispute but they said it was peer-to-peer and did not help me! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Cash App Support, I hope this letter finds you well. I am writing to dispute a recent transaction that I made on the Cash App platform and request a refund for the payment I made to another user. The details of the transaction are as follows : Transaction Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment to XXXX XXXX  {$170.00} While I understand that Cash App 's policy generally states that refunds are not granted when the user initiates the payment, I believe it is crucial to consider the unique circumstances surrounding this transaction. I made the payment in good faith, expecting to receive legal writing services from XXXX XXXX. However, XXXX XXXX engaged in fraudulent activity by falsely advertising these services and ultimately failing to deliver the promised work. This blatant violation of trust and misrepresentation is the basis for my dispute. 

In cases of fraudulent activity, it is essential to uphold principles of fairness, consumer protection, and the responsibility of financial platforms to maintain the integrity of their services. By solely denying a refund based on the initiation of the payment, Cash App inadvertently risks encouraging fraudulent behavior and eroding the trust of its users. 

I implore you to thoroughly review the evidence I have provided, including the attached documentation such as screenshots of conversations and proof of payment. These materials clearly demonstrate XXXX XXXX 's misrepresentation and failure to fulfill his obligations. It is evident that I have fallen victim to fraudulent activity, and it is only fair for Cash App to take appropriate action to rectify this situation and protect its users. 

As a user who values fairness and equitable resolutions, I kindly request that Cash App reevaluates its decision and reconsider my refund based on the exceptional circumstances of this case. By doing so, Cash App can reaffirm its commitment to user satisfaction, safety, and the prevention of fraudulent activities. 

I appreciate your attention to this matter and your willingness to reconsider the denial of my refund. Should you require any additional information or have any questions regarding this case, please do not hesitate to contact me. I eagerly await a fair evaluation of the evidence and a just resolution that upholds the principles of fairness and consumer protection. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every two months Experian drops my credit score by XXXX point with absolutely no reason. 
Since I expressed my objection numerous times, I have no choice but to look for help somewhere else. 
Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by XXXX points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. Experian lists 6 possible reasond for a credit score to drop, none applies to me.
Product: Debt collection

I had insurance during hospital visits and Im being charged for bills that were covered by insurance.
Product: Checking or savings account

Reference complaint XXXX which has been incorrectly closed. I posted a follow up comment but not sure it will be seen since complaint is closed. 

I have a XXXX MM account with Capital One. On XX/XX/XXXX an unauthorized withdrawal was processed via online banking in amount of {$6500.00}. I contacted Capital one on XX/XX/XXXX so that it could be resolved. On XX/XX/XXXX a deposit was made to the account for {$6500.00} and an interest credit of XXXX cents was deposited on same day. {$6500.00} * 2 % * 1 day / 365 days = XXXX cents ... .so interest for one day. When on the phone on XX/XX/XXXX I confirmed with the customer servicer rep that it was for only one day ... .but the funds were missing from my account for 4 days. I asked why it was not put back in the account effective XX/XX/XXXX when it was removed rather than XX/XX/XXXX and did not get an answer. 

What happens to the interest I should have earned on each day in XX/XX/XXXX when funds were missing from my account? I have called a number of times since XX/XX/XXXX thinking this would be resolved but it has not. on XX/XX/XXXX I received by US Mail a letter saying the XXXX interest was correct and it was properly credited to my account. It says the interest for XX/XX/XXXX - XX/XX/XXXX is  included in the interest amount credited. Clearly it is not. 

I started keeping records of phone calls on XX/XX/XXXX at which time I spoke to XXXX and asked to be escalated to a manager - and then spoke to XXXX. I asked for another escalation and spoke to XXXX - all assured me it would be properly addressed. 

On XX/XX/XXXX I spoke to XXXX and was told an email was sent to me on XX/XX/XXXX but I never received an email from Capital One. I asked to be escalated again and spoke to XXXX. I asked for them to show me the actual calculations to prove that my account was properly handled and have not received anything showing me it was correct ... only info saying it is correct. I asked for a reply in writing - which is the letter received on XX/XX/XXXX. 

So - we are back to square one. No one at Capital One thinks anything wrong has been done but they are not able to document or demonstrate anything substantive proving their case. 

Still waiting ....
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX XXXX XXXX with the original creditor as XXXX. I have never had XXXX service in my name, or even signed up for any service with them. 

I also noticed a revolving credit loan from XXXX XXXX XXXX XXXX XXXX have never heard of this company, and the account does not belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I placed an Order for Two wire transfers, in the amount of {$14000.00}, each, at Wells Fargo Bank Branch # XXXX, in XXXX, Washington and the phone number for them is XXXX I was told that the funds will be available, in Three days. 
I called and left a message for XXXX XXXX XXXX and XXXX called me back, and she ultimately couldn't find my funds and where the funds went. 

From there, XXXX exculated the matter and an Executive XXXX XXXX is working on what he does and told him that Wells Fargo has damaged me, and I need to be compensated for the loss of taking care of my private affairs.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XX/XX/2022 Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Product: Credit card

on XX/XX/2023 i noticed additional charges on my credit card when i rented a room for my ex husband to heal after having a XXXX XXXX. Upon review of my card i noticed an additional {$44.00} of charges ( maxed out my card ) for " smoking ''. 
1 ) I don't smoke 2 ) if i did smoke there was not indication of additional fees charged for smoking or i would of gotten a smoking room. 

I spoke w/XXXX stating I had to contact owner emailing her disputing the charge. In the meantime I had disputed with mentioned credit card and charges were reversed in XX/XX/2023. Then I noticed that the charges were immediately reversed back creating a XXXX credit for dispute. initially the dispute was denied ( due to same ownership I can only assume ). However, I disputed it with documentation also providing the email address as no longer valid. The decision was reversed with Citibank stating i was credited already for the {$44.00}. I am providing you the actual statement that the charges were " reversed ' and credited back to me. According to my calculations it shows a credit was provided and immediately taken back. To my calculations the dispute was NOT credited it was XXXX out. Upon follow up speaking w/XXXX  REF # XXXX she indicated the credit was already credited on statement provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH XXXX, EQUIFAX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. XXXX STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH XXXX, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, EQUIFAX, XXXXXXXX XXXX XXXX XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXXXXXX XXXX XXXX XXXX : {$7600.00} XXXX : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX : {$17000.00} : Open : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : {$3200.00} : Open : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : {$400.00} : Open : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX : {$320.00} : Open : XXXX XXXX XXXXXXXX XXXX XXXX : {$500.00} : Open : XXXX XXXX, XXXX XXXX. XXXX XXXX  : {$260.00} : Open : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX : {$180.00} : Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$83.00} : Open : XXXX. XXXX, XXXX Hard 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 I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful. Failure to address this matter in accordance with legal obligations will compel me to seek legal counsel and escalate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haved disputed this with the credit bureas and provided proof of the inaccurate information. All three credit bureaus are reporting different information which proves it is inaccurate and the refuse to update this information
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.

has violated my rights. Or a list of inquirie
s : 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: Bank account or service

Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct.