23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XX/XX/2021 we started the new construction loan process with BB & T/Truist for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.
Product: Credit reporting, credit repair services, 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.

Account name : credence Resource manage ( T-Mobile ) Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX  ( 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 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 veals.

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: Money transfer, virtual currency, or money service

lam 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 redress for these violations
Product: Payday loan, title loan, or personal loan

This complaint involves Wells Fargo, Wells Fargo Educational Services, and XXXX. 

In 2010, I took out a bar loan with Wells Fargo. Payments made, interest accrued. No issues. More than a year ago, Wells Fargo waived all past-due interest + set the interest rate for all borrowers at 0 %. I continued to make payments. 

Recently, Wells Fargo decided to get out of the student loan business + XXXX became the servicer for my bar loan. It is not clear whether Wells Fargo sold all receivables to XXXX or if XXXX is merely a loan servicer. Regardless, XXXX and Wells Fargo together or separately have decided that the loans such as mine will be charged interest despite Wells Fargo previously notifying borrowers of the 0 percent interest. 


Wells Fargo should have a full accounting of my bar loan along with all correspondence regarding the zero percent interest.
Product: Checking or savings account

Hi, Someone withdrew my money at Wells Fargo Bank on XX/XX/XXXX {$600.00}, then {$700.00} and {$1500.00} on XX/XX/XXXX. I called and worked with many departments of Wells Fargo. Police confirmed that not me who withdrew money. Until now, I can not take back my money. 

Here is the details : - XX/XX/XXXX, someone went to Wells Fargo XXXX XXXX XXXX XXXX MN to withdraw {$600.00} from my account ( Photo # 1 ). I dont know how the thief could do that without my ID. 

- XX/XX/XXXX, I called Well Fargo to file claim fraud transaction and asked them suspend all withdraw money from that day. 
- After that I received the decision from claim department to deny my claim. 
- I called many times to Wells Fargo trying to find out what happened. I found out that Wells Fargo XXXX was the branch where the suspect withdrew my money. 
- I filed police report about this case. 
- I called well Fargo many times, back and forth in person with Wells Fargo XXXX representatives many times and worked with police office from XXXX to XX/XX/XXXX  - Police Office sent request to have video record of the branch. Finally, the Officier got the video and photo of the suspect ( photo # 2 ) -After having the conclusion from police, Wells Fargo still denied to return my money. 
- XX/XX/XXXX, XXXX XXXX ( branch manager of well Fargo XXXX where the incident happened ) emailed me about denied claim ( photo # 3 ) - XX/XX/XXXX, I replied XXXX, cc the police officer to explain him about polices conclusion. 
- XX/XX/XXXX, XXXX ( police officer ) asked XXXX to provide email or contact of decision maker of well Fargo. She confirmed that the suspect was not me. ( photo # 4 ) -XXXX  DID NOT provide decision makers contact. He gave me claim department number and denied to follow my case.

- I tried to call claim department many many times but nothing change. I almost GAVE UP - XX/XX/XXXX, my account was withdrawn {$700.00} with reason check is being returned due to altered check. ( photo # 5 ) - XX/XX/XXXX, my account was withdrawn $ {$1500.00} with the same reason. ( photo # 6 ) - I called Wells Fargo to find out these check that were deposited on XX/XX/XXXX and withdrew right away at well Fargo branch ( photo # 7 ). 

Supprisingly, those transactions DID NOT appear on the statement of my account. Of course, I was NOT deposited these checks. 
- I continued to file the claim for XXXX cases. 
- I also emailed to XXXX XXXX ( Vice President, District Senior Manager ). He is XXXX boss. Hope he would follow up and help me to take back my money. 
- Im very disappointed when receiving XXXX email. 
- 7 months passed, Police have conclusion. Wells Fargo have video records. However they still dont change decision and NOT RETURN MY MONEY Please help me to bring my voice to Wells Fargo high level manager to take action Thanks and best regards. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed this account with XXXX Affirm INC XXXX. I advised them this account was not reporting accurately. According to the IRS when and account is charged off its considered income and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( cancellation of debt ) from Affirm in regards to the following charged off account Affirm INC XXXX. Affirm INC received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$880.00} as income on my taxes! This account can no longer be reported and should not be reported as it is fraud on behave of Affirm INC and violates my FCRA rights! Delete this account from credit report immediately for inaccuracy!
Product: Debt collection

XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate , LLC and has been on my credit for several months. Due to the contract between XXXX and the City, I am not responsible for the bill.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we have to delete wrong accounts from my credit report. Can you check the papers? Some listed accounts have mistakes in the reporting, like wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to both XXXX  and Experian requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX  showing that inaccurate items that were deleted, and they have yet to correct my report on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company ( XXXX XXXX ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both XXXX XXXX and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted XXXX XXXX and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX  reported on my mortgage ( held by Nationstar Mortgage ) that was part of a bankruptcy in XXXX. This was clearly illegal and harmful and caused me great distress. We are in the process of looking for a new home and need financing. Several days later the item was withdrawn and my credit score dropped 11 points. I received confirmation of this through XXXX XXXX. I sent a letter to the mortgage company ( Mr. Cooper ) who replied that I should call. I called them ( XXXX ) on this date XX/XX/XXXX and requested my credit score be fixed. Their reply was that it was XXXX XXXX   fault for ignoring the suppression of this item and they would not fix it and it could not be fixed. Please help me with this as I am very upset.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went to bank of America located at XXXX XXXX XXXX XXXX FL XXXX with a bank of America issued check in my name provided all necessary documents for check and identifications clerk looked at check and immediately gave it back and immediately denied cashing it spoke to manager manager did the same thing looked at check and immediately denied their own bank issue check to me I searched their policies on cashing checks limits and check cashing fees on their website nothing stated their was a limit just said if your a non account holder there will be a {$8.00} charge per check no matter how big or small the check is unless under {$50.00} their would be no charge I believe they discriminated against me due to the fact I have tattoos everywhere they treated me as if it was a fraudulent check the teller and the manager didn't even bother to verify the check to see if it was real and basically asked me to leave that they weren't going to help me especially after I looked up their policies to make sure I wouldn't have a problem cashing the check there's no policies for that bank that states there's a policy on how much you can cash I need this to be dealt with I want to file a suit for discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I, XXXX XXXX, transferred a total of {$210.00} ( {$200.00} and {$19.00} ) from my Cash App account to my mother 's XXXXXXXX XXXX  account to assist her during her hospitalization. 

Unfortunately, on XX/XX/XXXX, my mother was informed by XXXX that this deposit was not recognized, leading her to file a claim for the amount, which she later sought to cancel once I clarified the origin of the funds. 

Despite her attempts to rectify the situation, on XX/XX/XXXX, XXXX deducted {$210.00} from her account and issued a notice stating that the funds had been returned to the sender. However, upon checking my Cash App account, I found no record of this refund. 

When I contacted Cash App to investigate this issue, I was informed that they did not receive the funds back due to a fraud investigation initiated by XXXX, resulting in my Cash App account being closed. I then opened an investigation with Cash App 's XXXX department, which concluded that they had never received the returned funds. 

This situation is concerning for several reasons : XXXX. Lack of XXXX : There appears to be a breakdown in communication between Cash App and XXXX Bank, leading to confusion over the status of the funds. 

XXXX. Customer Service Response : My attempts to resolve this issue through Cash App have been met with inadequate support, and my claims have not been addressed in a satisfactory manner. 

XXXX. XXXX XXXX : The inability to access my funds has placed an unnecessary financial burden on me during an already challenging time. 

I am seeking your assistance in resolving this matter and recovering the funds that are rightfully mine. I am including all relevant account and claim information at the end of this complaint for your reference. 

Now here is all of the logistics information for this case ( XXXX. ) Cash app the {$200.00} & {$19.00} were sent from is $ XXXX ( XXXX. ) Name associated with cash app is XXXX XXXX ( XXXX. ) Zip code associated with account XXXX or XXXX ( XXXX. ) Email associated with cash app is XXXX ( XXXX. ) XX/XX/XXXX the {$200.00} deposited & XX/XX/XXXX the {$19.00} ( XXXX. ) Cash App claim case # XXXX ( XXXX. ) Cash App Claims phone number XXXX XXXX XXXX ( XXXX XXXX XXXX Bank name XXXX is XXXX XXXX XXXX ( B ) Chase account number is XXXX ( C ) Chase routing number is XXXX ( D ) Email associated with account XXXX ( XXXX ) Phone number associated with account XXXX XXXX XXXX ( F ) Chase Refference # XXXX ( G ) Chase Claims phone number XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card

I requested a dispute through XXXX because my Chime Credit Builder account was not being reported correctly. I did this on XX/XX/year>. On XX/XX/year> I was advised by XXXX my account was removed from my credit report. My account was in good standing with available funds. XXXX said it Chime who closed my account and vice versa. This impacted my score by XXXX  points, while in the process of purchasing a car. I need help and this is not fair. My credit card account is currently active and in good standing. I need my account added back immediately.
Product: Money transfer, virtual currency, or money service

A fake bank that does not say what type of account sent a random charge of {$560.00} was processed and sending a random link to see if it wasn't me to make changes to my supposed account. The number came from a random text message with an unknown phone number. The phone number was replaced with the supposed bank that I never made an account to. It leads to an address of XXXX which is not a phone number and probably not a real bank. I received the message on Sunday XX/XX/2023 at XXXX mountain time. I also have the message they sent to me and I'll post this below ( Alerts ) A deduction of {$560.00} was made from your account? Not you, click XXXX to cancel. 

No way am I clicking that link they sent. I was going to file the report to FTC but they brought me here. And they left no traces of a phone number. I'm going to screen shot the message and block the number from whatever number it came from
Product: Debt collection

On a letter Dated, XX/XX/2019, Educational Credit Management Corporation failed to identify itself as a creditor or Debt collector and conducted Bad Business Practices by falsely stateing that I must act quickly to avoid my student loan payment from going into default and tha, I have not made a student loan payment in six months. That can not be a fact because my student loans are already in default and, I have a payment plan with the Department of Education because of my disability that is payed every month. Educational Credit Management also falsely stated that it is the guarantor of my federal student loans, and has failed to send me a verification notice of the debt that it is trying to falsely collect and has violated several federal laws by not properly identifying it self as a creditor or debt collector in its letter. and has failed to send me any documentation to prove it is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ( Original Creditor : ) XXXX Balance : {$48.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$1100.00}