23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Filed XXXX in XX/XX/XXXX to keep my home of 25 years, ( tried for a home Mod but u have to be 3+payment behind which puts u in foreclosure so to stay off the bank i filed Ch XXXX ). For two months once my home was foreclosed I attempted to re purchase it through XXXX XXXX, but no luck in XX/XX/XXXX after XXXX informed me i needed XXXX in a secured account, which I did, still no response until I had my Atty. and XXXX XXXX office got involved. We found my Mortgage when refinanced through Bank of America ( which they did all the paperwork since they did it originally ) was unsecured because of being on XXXX Land, which is necessary through the XXXX XXXX XXXX XXXX. Everything thing stopped, no calls from BoA nothing though I still made the XXXX XXXX payments, until last month. In the last 40+days, my home has been listed for sales w/ disclaimer not to contact the occupant at any level ( me ) ... My Atty. is still involved but Bank of America, will not respond to anything. I received the usual correspondence from BoA, with each of them giving a Ph # for contact that is usually not working. 

My Attorney is convinced that the Loan should have been dismissed during the Chap XXXX, but the worst case scenario would be that the bank would simply sell me back my home for the balance of the mortgage. But so far nothing and my home is still listed
Product: Debt collection

I lived in XXXX XXXX at my parents house the utilities were never in my name I never received any bill or comuncation from them this was about 6 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found some information to be incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws in regard to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Product: Debt collection

I had student loans on two of my daughters. The last were paid approx. four years ago. Recently and organization called MOHELA appears after all this time and starts collection action on me for the paid off loans. They were not the originators of the loans so I assume they are 3rd party. Given their track record ( on line ) I asked for loan records.

On their calls I have asked for loan records and get sent to an " advanced agent '' the wait time is 6 hours with no call back option. I have requested those records via email multiple times with no answer. Initial calls from me ( when done during their recommended times ) is six hours plus wait time. The initial contacts have a call back system. The advance collectors do not.

The system is set up so they can ruin your credit and you can not get the information to defend yourself.
Product: Debt collection

In XXXX of XXXX we cancelled our XXXX XXXX XXXX XXXX XXXX, TV, Internet, & Phone service. At that time we closed out our account, we paid our final bill in full & returned all Equipment to the Customer service Center in XXXX XXXX Calif. On XX/XX/XXXX we received a collection notice from ERC collections in the amount of {$520.00}. We are disputing their actions based on the above stated facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! XXXX XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/XXXX I enrolled in a XXXX XXXX  class through a private lender XXXX. I became delinquent in paying my monthly payments and it was submitted to a third party collection - XXXX XXXX. I agreed to a six month payment plan of {$310.00} with XXXX XXXX to pay account off, which I have since XX/XX/XXXX until current. I have one last payment in XXXX, however, Launch isn't reporting my on time payments accurately to the credit reporting agencies. Launch is reporting that I am 13 months behind, when my delinquency began in XX/XX/XXXX and my on time payments started XXXX XXXX until current. Launch reps stated that for each on time payment posted, that payment goes towards the months that I was behind. But it would never show any current on time payment, because technically the account is still behind. This reporting practice has drastically effected my credit score.
Product: Debt collection

The problem is that I don't know dates, times etc. The only thing I know about this debt to medical recovery services is the amount. XXXX. I haven't seen a doctor since XXXX XXXX XXXX. I never got an itemized list from them, no idea where this " debt '' occurred. Only after getting paperwork for the lawsuit did I know money was owed. I was told by a court clerk to wait for a court date to contest it. Not knowing I had to write a written response. Now medical recovery services are garnishing 20 percent of my income for something I know absolutely nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reason re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence of furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, experience has neither corrected nor removed disputed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Chase claims to have sent a debit card to my address that never arrived. A few weeks later, someone used that card to withdraw {$1000.00} from various ATMs. I reported the fraud immediately to the company, but they denied my complaint, claiming the transactions were authorized. There is plenty of evidence that I could not have made those transactions, but they are not willing to reopen my case. 

Timeline : XX/XX/XXXX : I requested a new debit card from Chase. 
XX/XX/XXXX : Chase claims my debit card was delivered, which is not possible as they typically take 3 to 5 business days to arrive. I never received this debit card, nor did anyone else in my household ( my wife ). 
XX/XX/XXXX, around XXXX XXXX : I went to the Chase branch at XXXX XXXX XXXX, XXXX, NY, to request a credit card. I asked about my debit card and was told it was still in transit and would arrive in the next few days, so I decided to wait. 
XX/XX/XXXX, around XXXXXXXX XXXX : Two ATM transactions for {$200.00} each were made in New Jersey. 
XX/XX/XXXX, around XXXXXXXX XXXX XXXX Two ATM transactions for {$200.00} each were made in XXXX, NY. 
XX/XX/XXXX, around XXXXXXXX XXXX   : One ATM transaction for {$200.00} was made in XXXX, NY. 
XX/XX/XXXX, around XXXXXXXX XXXX XXXX A {$500.00} transaction was attempted at a XXXX ATM, but it was denied and flagged as fraud. 
XX/XX/XXXX : I was at my house in XXXX XXXX, XXXX, working remotely. I only left my house to go to Chase and the supermarket. 
XX/XX/XXXX, around XXXXXXXX XXXX : I received a text message asking if I had attempted a {$500.00} transaction at an ATM. I replied " NO '' and called Chase to report the fraud. 
XX/XX/XXXX : I received a resolution that my case is closed, and Chase will not be refunding the {$1000.00} stolen. 
XX/XX/XXXX : I went to the Chase branch at XXXX XXXX XXXX, XXXX, NY, to request the reopening of my case, as it is clearly fraud. I was told they would not reopen the case because the transactions were made with a PIN number. I am certain no one but me knows my PIN number, indicating there must be a security issue within Chase that allowed these transactions to occur. 

I have never received the debit card that was used for the fraud, and therefore, I could have done nothing to prevent this fraud. This is clearly a failure on Chase 's part in terms of security : either in the delivery of the debit card or in allowing someone unknown to activate and use a debit card that was not theirs.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Tried to make a ach payment and betterment has blocked any outside login for use
Product: Mortgage

We want to pay off our XXXXXXXX XXXX XXXX XXXX held XXXX XXXX for property. A payoff letter from XXXX in XX/XX/2022 was {$32000.00}. XXXX took over mortgage, new payoff is now {$420000.00}. This payoff has increased over {$100000.00} in 5 months. This is predatory and we are unable to pay off this mortgage with this price gouging and are in fear of loosing our home. Please assist asap.
Product: Credit reporting or other personal consumer reports

After do a loan Modification during a rough time, I have paid off all balance besides the forgone balance which was pushed to be due at the maturity of the loan in XXXX. Did not make any payments for a year because balance was shown at XXXX now all the sudden in XXXX of XXXX my account now says balance of XXXX cents, and I would receive calls stating I owed XXXX dollars or XXXX dollars, always a different number. My credit report on XXXX page says account paid in full and XXXX page says balance is {$1.00}. Can't get a direct answer from anyone and all employees answers are different. They have now reported me 30 days late in XXXX and XXXX or XXXX when my remaining balance clearly states it is the forgone balance that is due at maturity of the loan, which is XXXX. I have requested copies of loan mod documents, but they are not willing to Produce them for me. I feel the late marks on my credit are in necessary and I need XXXX answer of what is expected since each person and report and statements all have different information.
Product: Credit reporting or other personal consumer reports

My XXXX and Equifax credit reports arent being updated, please add my current address to my credit report so that my credit report can be updated. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over several Identity theft affidavit. 
Since 2016. I mail out letters to XXXX and Equifax credit bureaus they only sent me back investigation letter stating Verified. The accounts is XXXX credit line, XXXX installment account, and XXXX installment on my personal incident report. Company 's XXXX and Equifax still have those fraud accounts pending on my report. I also sent in a letter explaining my right as a consumer under Title 15 USC 168.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX 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
Product: Money transfer, virtual currency, or money service

I received by USPS and deposited the first Equifax Data Breach Settlement paper check for XXXX XXXX XXXX XXXX XXXX the Equifax Settlement Administrator emailed me a notification with extensive and confusing directions for an Additional Settlement Payment of {$17.00} to be paid by ONLY Redeeming by Virtual Card. The extensive conditions and cautions advise me to be aware that there are fraudulent websites that can be followed when entering the Equifax redemption site online. 
The Equifax data breach of my personal and confidential information is what started this entire Court case and I, for one, dont want to have to go through another data breach.

Since the first payment was made by paper check, why didnt they make that check out for the combined amount of {$35.00}? Moreover, why are they refusing ( by phone call on XX/XX/scrub>XXXX  ) to make the {$17.00} second payment by paper check? 
The virtual payment hoops they are asking us to jump through are forcing many of to forgo this payment thus leaving more money for them which, I believe is their intention.
Product: Credit card or prepaid card

I have XXXX on my Citibank XXXX Credit Card from the beginning. I have made my payments on time before having a XXXX in XXXX XXXX. This has affected me physically and medically where I need to use the insurance of XXXX for payments towards my Citibank XXXX Credit Card. The response Citibank XXXX XXXX department response was not truthful as to the facts. They were called by my daughter as soon as possible which was in XXXX XXXX to have a XXXX Claim form mailed to me.They have been called more than once to mail a XXXX XXXX form. They recently mailed a XXXX XXXX form this year, but NEVER the XXXX XXXX Form. I was in and out the hospital several times after that and did not received the XXXX XXXX form. 
On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX that my XXXX credit card will be closed, and I recently received another letter stating that only XXXX payment was made from the XXXX claim form submitted recently. On the XXXX claim form states that I am iXXXX for 24 months. It appears that XXXX is avoiding to pay for the time of me being XXXX XXXX  which included closing my XXXX Credit Card.
Product: Mortgage

I initiated a refinance quote from Chase Bank and was offered a loan estimate for a 2.625 % rate on XX/XX/2021. After reviewing the loan estimate I agreed to it and paid a deposit of {$500.00}. Chase then scheduled the appraisal which was shown as {$760.00} on the estimate under section B. Services You Can not Shop For. The loan officer was XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX After the appraisal was done I was issued a revised loan estimate and the appraisal fee had increased to {$1200.00}. I called on XX/XX/XXXX to question this and was told that the fee charged by the appraiser was higher than expected and since the cost they charged was based on the appraiser 's fee they were passing this cost on to me. 

I pointed out to them they can't change their estimate for items listed under the Services You Can not Shop For section once I've agreed to it and paid the deposit. I pointed them at the page on CFPB 's web site XXXX https : XXXX ) which explains this. The increased fee meant their quote was no longer competitive with other quotes I had and I informed them that I would not agree to proceed unless they removed the increase. 

I was told removing the increase needed higher approval and they would get back to me within 24 hours to let me know if they could do that. Late afternoon on XX/XX/XXXX XXXX XXXX days later ) I was contacted by XXXX. He explained that he was still waiting on approval to remove the additional charge and offered me the choice of continuing to wait or closing the application and receiving a refund of the {$500.00} deposit I had paid. I chose the latter and he indicated I should see the refund within five business days. 

As of Friday XX/XX/XXXX I had not received any refund nor had the application been cancelled, as it is still active on the website. I called XXXX and left a message to follow up and as of today XX/XX/XXXX I have not heard from anyone, nor have I received any refund.
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 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 violations.
Product: Mortgage

On this date being XX/XX/XXXX I, XXXX XXXX is initiating a complaint against Rushmore Loan Management Services regarding my property located at XXXX XXXX XXXX in XXXX, New York XXXX loan number being XXXX. My monthly mortgage amount was {$350.00} from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXXmonthly payments commenced in the amount of {$330.00}. This complaint stems from the following and serves as the 2nd complaint against the Servicer, since XX/XX/XXXX : A ) Error Regarding Payment Remittance. 

Please be advised on XX/XX/XXXX I received the attached letter via email by a family friend who checks on my property and forwards any/all important mail when I'm out of town. In addition, I retain most of my important accounts with me when I travel. 

The attached letter states that my XXXX payment received by the Servicer was in the amount of {$300.00} short by {$47.00}. The Servicer states they are accepting the payment as a courtesy but I must remit the shortage with my next mortgage payment. 

On XX/XX/XXXX a money order from the United States Postal Service was purchased and submitted to the Servicer in the amount of {$350.00}. In addition, the payment was forwarded to the Servicer via Priority Mail. 

I am attaching the following as evidence of making the payment of {$350.00} to the Servicer : 1. US Postal Service Money Order Stub 2. Receipt for Money Order 3. Priority Mail Receipt I am requesting the Servicer to correct their Error and apply my XXXX payment in the amount of {$350.00} to my account accordingly. In addition, I requesting a letter from the Servicer rectifying this matter accordingly. Please be advised in XX/XX/XXXX monthly payments have decreased from {$350.00} to {$330.00}. However, I selected to make a payment of {$350.00}. It would be unlawful and unwarranted for the Servicer to fraudulently apply additional payments to my account when the payment of {$350.00} was forwarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following alerts from all three of my credit reports : XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card

On XX/XX/, I used my credit card as defined under 15 USC 1602 ( a ) ( l ) to extend my credit through Capital One company. On XX/XX/, I received an adverse action letter from Capital One company attempting to explain why I was denied. According to 15 USC 1691 ( a ) ( 3 ), this was an act of discrimination. I, in good faith, exercised my right to extend credit as a consumer and a creditor, and I was denied for no specific reason. Capital one also violated federal law and will be held civilly and criminally liable because Capital One violated 15 USC 1602 ( a ) ( p ). Capital One used my credit card without authority, and I, the cardholder and consumer, received no benefit. They are now civilly criminally liable under : 1. 15 USC 1611 2. 15 USC 1640 3. 15 USC 1691e
Product: Credit reporting or other personal consumer reports

I'm grateful for the XXXX Bureau 's assistance in addressing the inquiries I requested to be removed from my credit report. However, my concern now is with the fraudulent inquiries still present in my Experian and XXXX Credit Reports. I urgently require the removal of the following inquiries. I kindly request that these inquiries be removed as soon as possible : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX