23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I had XXXX  XXXX and would miss thre months of work. In XXXX XXXX I called PHH to inform them and to see what we could work out. I spoke to a man named XXXX and he said they could do a forebearance and move three months worth of payments onto the back end of the loan. He said my first regular payment would be due on XX/XX/XXXX. I was able to rersume making payments beginning with the XX/XX/XXXX payment, and it was on time. 

A few months later I started getting mail from them about help paying my mortgage and possible refinancing. I ignored them because the situation had already been taken care of. After a while I got tired of receiving these mailings that started sounding threatenting, so I called them. I spoke with XXXX, employee # XXXX, and she said I was behind a few months. I told about my conversation with XXXX and she said that they can't do a forebearance on FHA loans. I told her that's not what XXXX said. She didn't care and said that I had to pay the overdue amounts. 

On XX/XX/XXXX I FAXed a Mortgage Assistance Application to them. On XX/XX/XXXX I received their decision stating that my account does not qualify for Mortgage Assistance. From thgeir review : " FHA special forebearance -- unemployment -- non-approved -- As a result of your recent employment you are no longer eligible to continue participating i this program '' and " Forebearnce Type 1 ( informal/formal ) -- non-approved -- The hardship reason provided on your applicatrion has been resolved. '' NO KIDDING to both. I'm not talking about having trouble making regular payments NOW, I'm talking about a forebearance that a PHH employee told me was DO-ABLE back in XXXX XXXX. I started making payments again ON TIME as per our agreement. 

Now they are saying thart my only options are a short sale or deed-in-lieu of foreclosure. I WANT TO KEEP MY HOUSE! It's not my fault if one of their trained employees told me the wrong information. I acted in good faith going by what he told me. And now they are threatening to take my house ... and they've only given me one week to respond! ( I only received their response a few days ago. ) Also, I'm about seven years out from a bankruptcy ( the house was listed on it ), so can they actually do this to me? ( I mentioned this to an attorney and he said PHH is notorious for bullying homeowners. )
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 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: Student loan

I resubmitted my IBR application and sent Nelnet proof of income ( three times ) as requested. I named the files " Gross Pay. '' I am  XXXX and pay my own quarterly taxes. I have nothing taken out of my pay by my clients. 

I keep getting emails saying they can not approve my IBR plan ( which was already approved earlier this year by my prior student loan servicer before Nelnet took over and unapproved me ) unless I send  them my gross pay. The last email I received from them was XX/XX/18. I sent them emails ( twice, once again on XX/XX/18 ) telling them that the proof of income is my gross pay, and I even named my files " GROSS PAY. '' Nelnet is purposefully delaying my IBR approval by claiming they still need documentation that I already sent to them. I feel they are harassing me. If they can not provide faster service and approval ( I submitted the requested documentation to them on XX/XX/XXXX ) they have too many clients. Their inability to respond in a timely manner is harming me. 

They have my clients ' address and phone number. If they are not satisfied with what I sent them, they can call my clients and ask what they have paid me for the last 90 days or whatever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the FTC report that Equifax required to remove the unauthorized inquiries on my credit report. I sent two times and they are claiming that they didn't receive any of them. That is why I decided to go through this agency, so this complaint will be directly sent by your department 's credit bureau ( Equifax ). The inquiries that I want to be remove from my credit report is : XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Checking or savings account

Chime blocked access to my account without prior notice and without giving convincing reasons. I sent an email to support and they sent me a list of documentation that I should provide to gain access to the account again. After arranging everything, they say that the analyst will give feedback and this has been going on for 7 days. Then they want me to explain and provide the deposit details that were made to my account, its origin, etc etc etc I found it incoherent, abusive and I feel my privacy has been violated.
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. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Even if it's to talk to someone in Chime Headquarters. I request my account be opened immediately. I hope for an apology. I am desperate to get help. It has been very stressful, time consuming to being swallowrd in a matrix of red tape and run in circles going nowhere. I attached screenshots of email logs to emphasize the time and effort. This does not include online chats and telephone call.Would you kindly help me? I believe Chime still has to review money stolen from unauthorized purchases. I have submitted my state id ( expired and to be msiled to me ) along with a document from the state to accept my ID until my new card is maled, my social security card, and my US Veteran card.I have a social security deposit coming up in two day and bill to pay. 

Thank you very much for your help. 
Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

On XXXX, I received a XXXX XXXX alert indicating a new Hard Inquiry to my credit profile. I immediately logged into XXXX XXXX and saw a hard inquiry from JP Morgan Chase of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to JP Morgan in attempts to open credit and JP Morgan pulling my credit report. If a consumer calls once reporting fraud, why would JP Morgan allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers.

Please help me as now 3 Credit Applications are submitted and JP Morgan is not doing anything to prevent this from continuing. I already reached out to XXXX who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Experian for the account XXXX XXXX XXXX XXXX XXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX XXXXXXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account shows an erroneous 30-day late payment in XX/XX/year>, a XXXX late payment in XX/XX/year>, and a XXXX late payment in XX/XX/year>, despite all payments being timely and consistent. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit today and an inquiry for XXXX appeared on my report. I don't know who this is and I have been actively cleaning up my credit so I have not made any inquiries in over 3 years.
Product: Credit card

XXXX and XXXX have my account opened XX/XX/year> as XXXX XXXX has my account opened XX/XX/year>
Product: Checking or savings account

all of the above- until recently..funds not recieved. 

acct locked out repeatedly online ATM refusing balance called a NONCITIZEN after staying over 35 years in this country repeatedly before XXXX. 
locking up of XXXX account unlawfully ( 1st ) to lend my money away wo my consent. 
refusal to allow any account access. 
refusal to allow wire transfer of my money to another bank. 
refusal to authorize XXXX charges for over {$500.00}, resulting in XXXX to fix w XXXX ( unlawful unauthorized chargeback ). 
unlawful account closure w less than required time to contact federal govt to change over treasury benefit payment ( 3mos for XXXX, 2 for XXXX ). 

company tried to slander me ... longshot from " did not meet expectations ''. I charge $ XXXX for slander-Im a XXXX XXXX. 

is doing this and worse to several 1000s of veterans and wants us to shut up online about it.
Product: Debt collection

Company reported collection accounts without giving me the proper written notification. Company sent notices to an address that i do not reside at. Company has refused to remove accounts. Company did not give me the proper written notice to dispute.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The company Acima has claimed that took out a rent to own lease on XXXX XXXX. When I do not recall ever taking anything out. They have been emailing me calling me and spamming me over the past couple of months.
Product: Credit card

On XX/XX/year>, I booked two rooms at XXXX XXXX, XXXXXXXX XXXX The reservations were for 4 adults. I booked with Citi Travel. On the XXXX, we called the hotel directly, to confirm our reservations. When we tried to check in that evening, we were told that only one room was available. He said they were over booked due to some convention. Each room only had one queen bed. Thus, we had to drive 70 miles out of our way to find another hotel. 

The man at the check in said he couldn't credit my Citi credit card because the reservation was through a 3rd party. He was saying that it was the 3rd party 's mistake. I feel it was the hotel 's mistake, because we called the hotel directly that morning to confirm. 

XXXX XXXX says that I was not allowed to cancel, because XXXX doesn't allow for cancellations. The irony of this is that I didn't cancel, the hotel canceled. Plus, when I disputed the charge with Citi, the hotel said I made reservations with XXXX. I made it with Citi Travel. 

On XX/XX/XXXX, I finally was given a Citi Travel phone number, XXXX. As it turned out the number I called was a fraudster, who was giving me the refund through XXXX. Being gullible, he was able to hack into my checking account. 

I have disputed this charge with the hotel, and Citi numerous times to no avail.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Debt collection

I have been called repeatedly for months by TransWorld Systems claiming to be attempting collections on a debt that I owe. However, I do not have any outstanding debt and after having spoken with several of their agents, this fact has been confirmed. Each time they have confirmed that I owe them nothing, they have promised to remove me from their call list, but this has not happened and I continue to receive endless automated calls regarding this matter.
Product: Debt collection

This is the first time that I have received anything from Cavalry SPV I , LLC. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

Cavalry SPV I , LLC has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.
Product: Mortgage

I was in the process of getting a loan on a piece of property for investment purposes. I was approved by Bank of America for a 15 year loan of {$70000.00} and a rate of 4 %. After the appraisal I was instructed by Bank of America to do repairs to the exterior deck railings before we could close. I proceeded to repair the railings at the cost of {$750.00} labor and material. After completing the rails I was informed by Bank of America, according to their underwriter, that I needed to get a road maintenance aggreement form signed by all of the property owners that had a building on the entrance to the property. I own the property adjacent to the property we are trying to purchase. The owner of the warehouses south of the property refused to sign the aggreement stating it would decrease the current value of his property. to date I have spent {$750.00} for the survey, {$650.00} for the appraisal and {$15.00} for the credit reference. At this point nothing has happened and the loan is in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is with Prestige Financial. Account was charged off and closed on XX/XX/2019 per XXXX  with balance of {$17000.00}. I have made no payments to this creditor since. Again, charged off and CLOSED. Recently. Prestige ( only with XXXX ) re-opened this account and is reporting missed payments monthly and my balance has gone up to {$25000.00}. This month this balance showed up in my open accounts and dropped my score by 67 points. Am I wrong that reopening an account by the original creditor that has been charged off is FRAUD?? How can the balance keep going up when they charged the debt off?? Please help me.
Product: Debt collection

information shows : You had an account with XX/XX/XXXX that is now overdue. 
As of XX/XX/XXXX you owed : {$370.00} Between XX/XX/XXXX and today : You were charged this amount in interest : {$0.00} You were charged this amount in fees : XXXX You paid or were credited this amount : {$0.00} Total amount of the debt now : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Reference : XXXX XX/XX/XXXX Synergetic Communication , Inc. is a debt collector. We are trying to collect a debt that you owe to XXXX, XXXX. 
We will use any information you give us to help collect the debt. 

If you would like to discuss having your service reinstated, please give us a call at XXXX.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX  A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$120.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00}
Product: Vehicle loan or lease

On XX/XX/2018, at approximately XXXX I made contact with XXXX XXXX and XXXX XXXX. Neither company was helpful and stated that although it was not an application that I filled out that they were authorized to pull my credit report 5 different times. 

I never authorized hard inquiries. The website on lending tree stated clearly that it would NOT effect my credit score. However, it surely has ... .my score has dropped dramatically as a result of this ... I encourage anyone that has had this issue to start a lawsuit against both companies.
Product: Credit card or prepaid card

I found my American Express Membership Rewards Program account is frozen by American Express Company when I tried to purchase a flight ticket with my Membership Rewards points. Here is the message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

I chatted with their online agent, called the Membership Rewards program agent, American Express travel agent, and an agent from the security team. But, nobody from American Express can tell me why my point account is frozen, and when can I use my points again. People from American Express keeps transferring my call to different departments, the last agent told me she didn't know why my account is frozen and the only thing I can do is to wait. I asked her how long should I wait, and she said I need to wait 3 billing cycles, which is more than 3 months. I need these points to buy flight ticket right, and the ticket price is keeping increasing everyday! Why I should wait 3 months for a unclear reason? Please give me an answer, or least give me a reason. 

Thank you.