23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

requests for payoff, pay activity statements, inability to verify lender, homeowners insurance unable to verify payor, escrow deduction payments are 3 times higher than tax, insurance payments, principle balance not reduced in 3 years, payoff notice of satisfaction on court record and XXXX land records, book liber payoff satisfaction filed PHH still shows mortgage balance and investor is activity statements show payoffs and Deed Title are assigned not released, XXXX XXXX and XXXX XXXX XXXX unable to provide detail of loan location of deed, title and lender identity theft fraud reporting to XXXX, cyber attack continues, evidence of money laundering via other home sales and DEED records on several county court and multiple states of cash transfers trust sales of property
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FCRA 15usc1681 the banking system is dependent upon fair and accurate credit reporting. Everything has to be 100 % accurate on my consumer report. Equifax stated my account was properly investigated, that is not possible!!! the accounts being reported differ across all three bureaus ( i have included attachments ) this is ground for removal. Equifax has also violated my rights to privacy 15usc1681 ( a ) ( 4 ). 15usc1681b ( a ) ( 2 ) also states that a consumer reporting agency may furnish a consumer report only under the written instructions of the consumer to whom the report relates. i did not give equifax permission to furnish anything on my consumer report!!! incuded is a copy of my tracking number.
Product: Credit reporting or other personal consumer reports

My credit report shows a charge off from my XXXX XXXXXXXX XXXX XXXX. I had that credit card for XXXX without incident of paying late. For most of that time the card was owned by XXXX XXXX but in later years other companies purchased the business with the last on being XXXX XXXX. I have always made the payments on this card to a XXXX XXXX XXXX on my statement via a check authorized through my bill pay with XXXX XXXX XXXX XXXX 
Sometime after XXXX XXXX took over, I received a letter saying my payment had been returned. I contacted XXXX XXXX regarding this problem. We reviewed the details of the payment, account number, etc. and they told me it must be a problem due to that it was a newly acquired card and I should try again. I send another payment ( also eventually returned ) and then receive the new statement showing a late fee had been assessed. I contacted them again with the same results and then more fees. I finally told them I would pay using a different method. I sent the amounts due but not the late fees as they needed to remove them ( They returned my payments ). My understanding was this was resolved, and I closed the account due to the frustration of their customer service. Recently, when buying a car, I was informed that my credit report had a charge off from XXXX XXXX XXXX XXXX. The amount of the charge off was the fees they improperly assessed. 

I have attached several documents showing the payments made at my bank, that they were returned by XXXX and that they then charged me fees and negatively affected my credit. I must stress that several other companies took over the XXXX XXXX over the year and there never was a transition problem like this.
Product: Debt collection

I lived at XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called fair housing to make a complaint about my uninhabitable living conditions to XXXX XXXX. On XX/XX/XXXX i received a XXXX notice in my upstairs neighbors name with my correct address on it. On XX/XX/XXXX i received a 60-day notice to vacate. On XX/XX/XXXX i gave the on-site manager XXXX in writing my 30-day notice to vacate. On XX/XX/XXXX i vacated the property and returned all keys and possession. 3 months later i received a letter in the mail saying i owe KIMBALL TIREY & ST. JOHN XXXX. I later found out they charged me rent for the month of XXXX where i no longer resided. An unlawful detainer was filed against me after i moved out, so i didn't get any of the court paper work sent to the XXXX address. The unlawful detainer was dismissed and sealed in the court of law. KIMBALL TIREY & ST. JOHN has been reporting this fraudulent negative remark to my credit report going on 4 years. Back in XXXX of XXXX i spoke with a lady named XXXX who works for KIMBALL TIREY & ST. JOHN. She told me why i was charged for the month of XXXX. According to XXXX she said i didn't give a 30-day notice to vacate. I told her i did and she was going to check my file and get back to me but never did. I also never got my got my portion of the deposit back. Through out the years i have sent numerous Validation letters to KIMBALL TIREY & ST. JOHN to validate this alleged debt I never received a response, just more debt letters from them. This is a violation of my fair credit reporting act. I believe this was an act of retaliation because i called fair housing on the property management XXXX XXXX XXXX XXXX Also the on-site manager XXXX and I AS well her boss XXXX didn't see eye to eye. i have copies and proof i turned off all my utilities and the court dismissed letters i sent to KIMBALL TIREY & ST. JOHN regarding this matter. i wasn't properly served a 3-day notice in my name. The on-site manager XXXX has made numerous mistakes giving out 3-day notices i have those copies as well. On XX/XX/XXXX2022 KIMBALL TIREY & ST JOHN reported to my XXXX credit report a new account for the amount {$1000.00} and now i have 2 of the same accounts on my XXXX report with the same alleged amount but different opening dates, which is fraud. I have been disputing this alleged debt to the credit bureaus every month of this year.
Product: Mortgage

In trying to resolve my foreclosure with SPS, an appeal of my request for mortgage assistance denial was emailed to the relationship XXXX and to XXXX  the SPS XXXX XXXX  on XX/XX/22. A representative from XXXX emailed a reply directing me to call SPS  and speak to a relationship XXXX. On XX/XX/22 I called SPS  at XXXX am. XXXX answered the call but released it ( claiming no one was on the line ) and a second call was made at XXXX am. XXXX answered this call and we immediately asked for a supervisor. Rather than getting a supervisor she attempted to ascertain what was needed and proceeded to provide erroneous information. She put the call on hold numerous times saying that she was looking into the account. She determined that a reply to the appeal would be available on XX/XX/22 after XXXX days. When it was pointed out that XX/XX/22 is more than XXXX days from the appeal submission, she said it would be received by XX/XX/22. Each time she was asked for a supervisor, the call was put silent hold. XXXX checked the line after extended periods but never provided any additional information. Finally, after XXXX hours on the telephone there was no response from XXXX who abandoned the call. The written decision on my appeal was delivered by mail the same afternoon. XXXX not only provided incorrect information, but refused to escalate the call as requested. 
In the denial to the assistance review decision dated XX/XX/22, SPS wrote You indicated you have a lump sum to apply to your account. Contact SPS  to discuss if options are available. I responded with another appeal indicating the amount I can pay. No relationship XXXX explained why my proposed payment of {$50000.00} was insufficient or what amount would be satisfactory. The written response to my proposal said You also requested assistance and want to use funds for a down payment. Please contact SPS  to discuss if options are available. Although SPS  has this language in the communications, it isnt following through by making authorized personnel that are qualified accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion Online Dispute webpage does not function. When you get to the final step and click " submit '' nothing happens. It is impossible to submit a request for investigation online. The website does not function forcing customers to use alterative processes that are more time consuming and delay the investigative process.
Product: Checking or savings account

On XX/XX/XXXX a check I wrote for one of my XXXXXXXX was stolen and cashed by another person who deposited it into their account at Navy Federal Credit Union in the amount of {$1000.00}. The account number is clearly seen on the back of the check. On XX/XX/XXXX, I opened a fraudulent check claim with my bank at XXXX and sent in documents from the person the check was stolen from stating that they never cashed the check. On XX/XX/XXXX, XXXX bank wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. On XX/XX/XXXX I filed a complaint with the CFPB and on XX/XX/XXXX Navy Federal Credit Union closed the case stating they never got documentation. Documentation that IS ATTACHED HERE and WAS on the last complaint. I tried contacting XXXX XXXX, AVP of Fraud at Navy Federal Credit Union with no response. Please go into the account of YOUR client and take my money back and return to me at once. This is absurd.
Product: Vehicle loan or lease

This predatory, unethical, corrupt lending company started the repossession process in XX/XX/2022. They have not honored their Dealer Agreement contract with the dealership, whom used false information to obtain the loan, which specifically says that " if false information is used to obtain funding they will immediately seek a refund from the dealership ". This stems from my vehicle being apart of the XXXXXXXX XXXX XXXX Recall Campaign, caught on fire XXXX separate times while I was operating it, was out of service for over XXXX  days, has had XXXX Engine replacements between XXXX miles and XXXX. 
Due to the XXXX that I have been diagnosed with, due to my XXXX near XXXX  experiences, I refused to drive the vehicle. It was picked up by them in XX/XX/2022. I called and a representative confirmed that they had picked it up and, " they would be emailing me instructions on how to retrieve my belongings " Inside that vehicle were the remains of my beloved XXXX XXXX. Ever since they took my vehicle they refuse to admit that they have it And I have called consistently every few weeks since XXXX of 2022 to ask them for updates on my XXXX 's whereabouts. We as a family are devastated. XXXX of the reps that I spoke to actually XXXX  me for leaving my XXXX 's remains inside the vehicle and said that it was my fault. The children did not get to spend the holidays with XXXX XXXX 's remains and now we have nothing left of him but our memories.
Product: Credit reporting, credit repair services, or other personal consumer reports

What affected my getting a refinance loan stated these items : Too many finance company accounts, Insufficient or lack bank account information, Recent delinquent remitted on accounts, Too many delinquent accounts! NONE OF THIS IS TRUE I ONLY OWE ON TWO ACCOUNTS! XXXX XXXX XXXX XXXX and XXXX and they are not delinquent!! Please correct these factors and send me a copy of my credit report please. The report was from Equifax Credit Information services. Credit was checked by XXXX XXXX on XXXX XXXX
Product: Mortgage

RoundPoint Servicing employs fear mongering to trick customers to sign up for there electric statements. Lying about statement content in the process. 

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX : RoundPoint Servicing sent out a mass email and letter in which the company warned customers that full social security numbers are sent on all mailed year-end statement, and that account holders should protect themselves by signing up for online only statement. 

Direct quote from email below : " ENROLL TO PROTECT YOUR IDENTITY Did you know your full social security number is included on your year-end statement? 
Sign up to access your statement electronically to reduce the risk of fraud and identity theft that comes with receiving paper statements. '' Had this been true Roundpoint would have been literally advertising to the public where every RoundPoint 's customers social security number can be stolen from. They should be better stewards of there customers private information. There is no reason to send out any mass email that states where sensitive or confidential customer will be located and when it would be sent out. 

I digress, I did not immediately notice the email but later in the month when I received the mailed letter I become worried and signed up for the online statements. AFTER signing up for online statement Roundpoint informed me that my submission was too late and would go to into effect until next year ( XXXX ). After I signed up I was informed I could not go back to paper statements. 

When i received my year-end statement in XXXX XXXX my full social security number was NOT included. Instead only XXXX followed by the last XXXX of my social. 

RoundPoint was clearly employing fear mongering tactics to trick customers into signing up for there electric statements. Had the company honestly stated that only the last XXXX of my social would be included on year-end statement, I would not have signed up for electronic statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eye would like to know whos been making payments on Regarding Employees from XXXX XXXX. Department of Education has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the Employees of Social Security Administration and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All Capital Corporation itself . With all due respect, This is a big scam because the non affiliated financial institutions which are Equifax, XXXX, and XXXX are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet XXXX sent an email to XXXX stating congratulations on an 8 month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or congress Member whos a Man and/or Woman?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON EXPERIAN
Product: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to TRANSUNION and TRANSUNION is publishing to my consumer file.The inaccurate information is in regards to late payments which ne ver occurred with said company. What is being reported is below. 
2019 XXXX- ( XXXX XXXX late ) XXXX - ( XXXX late ) XXXX days ) XXXX ( XXXX late ) XXXX ( XXXX daysl UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY XXXX XXXX FILE OR UPDATED TO POSITIVE PAYMENT HISTORY
Product: Mortgage

We requested to our mortgage company to remove the PMI. They stated that a letter would be sent once the request was processed. Two weeks later, we followed up and were told the same thing. Another few weeks pass, and after another follow up, we are told letter will be sent. Finally, after 4 weeks a letter arrives stating that our request was denied due to XXXX late payment, and a new request can be made after 1 year. 
So, one year later and no late payments we make a new request to remove the PMI. After 1.5 weeks, we receive a letter denying our request, and no specific reason is stated. Rather a supplemental document is attached outlining the investors guidelines. 
This mortgage company is basing the current LTV on an appraisal done 2+ years ago. They are not allowing us to reappraise the home so that the current LTV can be generated and considered.
Product: Credit card or prepaid card

When applying for an Apple card, they won't accept a valid and current U.S. passport ( or a military id ), which is the most accepted form of identification in the world. I'm sorry, I didn't fake my passport somehow.
Product: Credit card or prepaid card

in XX/XX/2019 western union NetSpend locked me out my account told me that account is closed because of suspicious activity. they would tell me suspicious activity and said I was forbidden to ever use the company again. so I've contacted them several times requesting my transaction history. each time the put me on hold I've been on hold as long as XXXX hours they since account is closed and not active they can't give me my transaction history on top of won't give a legit reason why they closed my account and won't let me get back into it
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint Bank of America regarding the handling of my accounts and unresolved issues with the bank 's services. This letter serves as a continuation of previous complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) Following my initial complaints to the CFPB regarding Bank of America, I received communication from XXXX XXXX XXXX, Resolution Specialist, Regulatory Complaints Operations at Bank of America. XXXX XXXX left me a voicemail and sent an email providing contact information for further discussion. Despite multiple attempts to reach XXXX XXXX, I was only receiving communication on XX/XX/2024, at XXXX PM from XXXX XXXX ( extension/ Ext. XXXX ) During our conversation, I requested an interpreter, which XXXX XXXX agreed to provide for our scheduled discussion on XX/XX/2024, at XXXXXXXX XXXX However, XXXX XXXX 's behavior during our subsequent phone call on XX/XX/XXXX was unprofessional and unacceptable. She abruptly ended the call when I mentioned recording the conversation, thereby hindering the resolution process. 

Furthermore, the handling of my credit card disputes and other issues by Bank of America 's fault department has been extremely inefficient and unproductive. Despite numerous attempts to address these matters, I have been consistently redirected between different departments without any resolution. The lack of coordination and accountability within Bank of America 's customer service structure has exacerbated the situation and left my concerns unaddressed. 

Moreover, I have recently received a letter from Bank of America 's collections or credit department threatening to charge off my credit at the end of the month. This action is unwarranted and unjust, as I have not utilized all of the credited funds, and it will negatively impact my credit score, the problem about scams and automatic charges from AHS in my credit card. 

Given the gravity of the situation and the lack of progress in resolving these issues directly with Bank of America, I urge the CFPB to intervene and facilitate a prompt and satisfactory resolution. Additionally, I request that appropriate action be taken against Bank of America for their failure to address and rectify these ongoing concerns, in a fair and equitable way but instead off phone calling on XX/XX/2024 from XXXX XXXX Bank Of America after bank recipient my complaint to CFBP, way to deal with the risks and consequences, this has hurt me as a Bank of America customer for over 15 years, and the important it is my credit score has problem. 

Enclosed with this letter, please find recordings of my interactions with Bank of America representatives, as well as any relevant documentation supporting my claims. I will forward communication XX/XX/2024 to CFPB in future. 

I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused XXXX XXXX XXXX XXXX upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

I have filed 5 disputes over the past 4 years with Experian regarding this XXXX XXXX XXXX Account labeled XXXX. This account belongs to my father and step mother and I never applied for this account. Me and my father have the same name, He is XXXX I am XXXX. Here are the dates of the disputes filed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I still have not been able to get this account removed from my name/credit report
Product: Consumer Loan

Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX
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 violates 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.