23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In Late XXXX or Early XXXX of 2020 and in view of the pending lockdowns I had no idea how my income from the practice of law would be impacted. As an abundance of caution I voluntarily entered the Forbearance program created by the CARES act and consistent with the GSE guidelines. By XXXX of 2020 I had concluded that the income I was receiving would likely not increase in the foreseeable future ( my conclusion was correct ) and advised Quicken/Rocket mortgage that I wanted to have my loan modified consistent with my future income and exit forbearance. After some back and forth with their employees I was advised that I would be placed into a TPP with payments of {$1900.00}. I received no formal TPP documentation. After I made the 3 payments required by the servicer a modification was ultimately offered however, without my knowledge or consent, the servicer decided to misapply my payment for XX/XX/2020 and after satisfying the interest owed with that instalment applied the balance to future interest amounts violating both the terms of the contract documents and California law on payment application as first articulated by the California Supreme Court in the Monroe v. Fohls decision. Rather than correct their error and reduce my outstanding principal balance the servicer opted to insist it's application of the funds was correct. I have since learned that the capitalization of unpaid amounts was not authorized by either the Interim Final Rule or the Final Rule regarding modifications nor was I advised of that fact until after it had taken place. Quicken/Rocket also failed to modify my loan on a go forward basis and, instead, retroactively changed figures including a backdated Escrow Analysis. While they ultimately corrected the Escrow Analysis they have continued to insist that they properly applied the XX/XX/2020 payment and capitalized unpaid amounts contrary to the provisions of the Interim Final Rule and subsequent final rule.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX Request for Account Removal Dear, Equifax I am writing to formally request the removal of XXXX XXXX Bank account # XXXX from your records. It is important to clarify that this account is not a charge-off. Additionally, XXXX XXXX XXXX  company has already received the tax benefits associated with this account. 

Given this information, I believe there is no justification for maintaining this account in your records. I kindly ask that you take the necessary steps to remove it. 

Please confirm the removal of this account at your earliest convenience. If you need any further information or documentation to process this request, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have a credit inquiry on my credit score that I have never approved. The inquiry is form company I don't recognize. In that time I was in XXXX so I couldn't be authorized by me. The name of the company is XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

My deceased ex husband broke into my home @ the time and used my computer to secure payday loans and credit cards. This company started calling & texting me and my current husband mid XXXX  claiming they were a mediator and wanted to settle the debt. I asked multiple times for them to send me some information they refuse. They call from several different numbers and more than once a day in some cases and more than once a week.They claim to have a judgment against me filed in XXXX XXXX, XXXX. I have never been served papers or sent any information. When I pushed for more info they claim it hadn't been filed yet. I have not lived in XXXX  in XXXX  years.The people I've dealt with are rude talk down to me and threaten me and claimed they will place a lien on my bank accounts. They will not give me any info or even how much the debt is for. I have never taken a payday loan out in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act XXXX  Account ''US DEPT. OF EDUCATION/XXXX '', XXXX XXXX '' and 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.
Product: Mortgage

I am entering this complaint because my husband passed away in XXXX 2009, XXXX yrs ago. The loan was in his name, not both names. He left everything to me in his will. The loan he had on the house is with Green Tree Mortgage. I have been trying to get the loan transfered in my name. The Probate papers and death certificate has been sent to them and they still say they ca n't tell me anything or put it in my name. I have given Green Tree permission numerous times for one of my family members to talk to them because I am XXXX and also XXXX and am XXXX yrs. old. I have been keeping the payments up ever since XXXX when he passed away. They will not tell me how much is still owed on the loan, or change the address for mail to come here because I am living with my son and his wife and have been since XX/XX/XXXX. I want to sell the house which and ca n't do that until it is in my name. I ca n't live by myself any longer because my health is declining. I ca n't afford an attorney because I live on a very limited income.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX on my credit report. Despite my previous dispute, your bureau has failed to provide validation or evidence proving the accuracy of this account. 
Accounts : XXXX, XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information to ensure it is accurate and verified. Additionally : 15 U.S.C. 1681s-2 ( a ) requires furnishers, such as XXXX XXXX, to provide evidence supporting their claim that the debt is valid and that they have the right to collect.

15 U.S.C. 1681e ( b ) requires your bureau to maintain procedures that ensure the accuracy of the information you report.

In this case, no validation or chain of assignment has been provided, and the debt remains unverified. The lack of proper validation or verification of this account indicates a violation of my rights under the FCRA.

Requested Action : Remove this unverified account from my credit report immediately.

Provide written documentation of your reinvestigation and the evidence you used to verify the accuracy of the account.

If this account can not be verified in compliance with the FCRA, it must be deleted from my credit report. Failure to act promptly may result in further regulatory complaints to the CFPB, FTC, or legal action for violations of my rights under the FCRA.

Thank you for addressing this matter. I expect a response within the timeframe required by law
Product: Debt collection

I have been receiving repeated calls from this company called Scott D. Carruthers office of law, a collection company in behalf of XXXX for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.
Product: Mortgage

I applied  for a Loan modification back in  XX/XX/XXXX . My accou nt representative was always very helpful. They sent the document to me and I faxed it back multiple time due to " they never received them '' at the time. My account representative told me not to worry after the modification was done the account would not show late. I applied for credit last month and was denied because my mortgage was late 8 times. I connected ocwen and they sent a response that there was nothing that they could do. I do n't feel its fair that a representative told m e one thi ng and they wont hold up to their word. The dates in question  are  XX/XX/XXXX - XX/XX/XXXX .
Product: Student loan

I set up automatic payments with the servicing company twice, but when the quarterly payments were supposed to  be made, the company put my account past due instead of making the automatic payments. I made a complaint about this and received an acknowledgment email of my complaint on MondayXX/XX/XXXXThis email stated that I would receive a response within 48 hours. I did not receive a response until XXXX XXXX on FridayXX/XX/XXXX. I received an email that said they could not call me but I could call customer service. Their customer service line is already closed and it 's Friday night. Their response was not accurate. It said that I could not set up automatic payments when my account is overdue, but I tried to set up automatic payments with them twice when my account was not overdue and they are not taking the automatic payments. I requested that they call me and they have not. My account should not be overdue because I set up automatic payments, and this is the second time in a row that the company has done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.
Product: Vehicle loan or lease

I paid off the entire loan amount for my car in XXXX of 2022. For the past 5 months, I have made a dozen calls to hyundai motor finance as well as hyundai corporate and still can not get my title or loan release letter. XXXX message boards online show many people can not get their hyundai title after paying off the balance due on their vehicle. Please see attached photo showing payoff in full in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice on my credit report that a new collection account was reported. After looking into it I did not recognize the account. The credit report stated that the account had been opened XX/XX/XXXX, yet upon further discussion with the collection company, this account originated in XXXX. It was erroneously re-aged and reported to the credit bureau as being opened in XX/XX/XXXX. They stated that they sent out a letter to an address that I have never heard of, so I had no knowledge of any of this happening until it was already on my credit report. They did not verify anything before placing the collection account on my report.
Product: Credit card

My credit card was stolen on XX/XX/year>. I contacted Capital One canceled the card and submitted notice of suspected fraud. 

The issue is today is XX/XX/year> and I still have not been able to get a new card because they can not authenticate my ID. I have requested the option to send my ID in via mail or fax and they continue to tell me this is not an option. Capital One is continuing to charge me interest when I do not have access to this card or the app. I can not get in the app because the phone was stolen as well. I have asked to cancel the card and was told they can not cancel until they authenticate me. 



Please help me with this issue.
Product: Checking or savings account

Navy federal credit union tends to show current available balances and will hold debit POS transactions for several days. While available balances shows whats actually available and not pending Ive made a deposit that shouldnt have been affected by any pending transactions as available balance didnt include deposit. When the check posted Navy federal found a way to deduct funds from a separate deposit which was not included in available funds. Essentially taking over {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 
According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws
Product: Checking or savings account

XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA - XXXX ) has made it unusually difficult to close my Money Market Account. Specifically, this bank does not allow customers to close their account over phone or online and requires them to come to a branch just to close the account. Moreover, the bank did NOT explain this strange rule to me when I opened my account. 

In my case, this unexpected and strange rule led to additional problem : Since I didn't know this rule, I electronically transferred my entire account balance to another bank on XX/XX/XXXX as a preparation to close my account. A few days later I called the bank to close the account which is when I was first told about the rule that I'd need to go to a branch to do so. Since I couldn't find time to go to the branch due to my busy work schedule and also the business travels, the bank charged me {$25.00} Minimum Balance Fee on XX/XX/XXXX because the account had only {$6.00} ( which was monthly interest credited on that day ) left and was still open. This fee resulted in my account balance becoming negative. The bank interpreted this negative balance as 'overdraft ' although I had never withdrawn any amount more than my account balance. 

What's more, the bank started charging me an outrageous and predatory 'overdraft ' fee of {$6.00} PER DAY since the account balance stayed negative as I was trying to resolve this matter. After I called the local branch and explained them the situation, they insisted that I need to visit the branch to close the account but reversed original {$25.00} Min Balance Fee that had caused the account balance to become negative in the first place. Strangely, they refused to reverse the resultant {$6.00} per day 'overdraft ' fee and asked me to come to branch to pay all this 'overdraft ' fee before I can close the account. As a result, as of today ( XX/XX/XXXX ) this matter is still unresolved and my account has a NEGATIVE balance of {$140.00} ( consisting entirely of this ever-increasing 'overdraft ' fees ) simply because I could not close my account over phone, something all other banks that I've done business with over the years allow. 

Fulton Bank has been sending me letters asking me to visit a branch and pay them all these fees just to close my account. I sent them a letter on XX/XX/XXXX explaining the situation. They ignored it and have sent me one more notice threatening to report my account to XXXX, XXXX which may impact my ability to open a deposit account with other Financial Institutions in future. 

I find it hard to believe that in this 21st century world of online banking, we still have a bank that a ) refuses to let customers close their account over phone/online b ) considers negative account balance caused by this strange rule and its own fees as 'overdraft ' and c ) expects the customer to pay these dubious fees just to close their account! 

Hopefully, CFPB can protect customers from these dubious rules and fees that make no sense. 

Thanks.
Product: Debt collection

I contacted the company that I supposedly owe a balance to that is on my credit report through the phone & asked them to mail all of my documents to me to validate my debt on XX/XX/26. The company that appears in my credit report to have purchased my debt is XXXX XXXX XXXX XXXX XXXX located in XXXX, FL. I still have not received any paperwork regarding this debt that I supposedly owe and I know that under Fair Debt Collection Practices Act of a debt collector can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. I also am aware that if the account contains no documentation the collection agency also may not report the debt to the credit reporting agencies. I've had this account on my credit report for the past XXXX years now, with no proof that I owe it. I am submitting this complaint to request the removal of this debt from my credit report as this debt has not been validated. I also never received a written notice from this agency that I owe this debt. I've only seen it appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit 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. 

15 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: 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 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 redness for the violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This letter is my final communication regarding the account XXXX. On XXXX XXXX 2023 I received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from Experian and XXXX immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that XXXX XXXX XXXX is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.