23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Attached is a timeline starting from XXXX XXXX,19 documenting  dates/times/SPS rep names of phone conversations. I am Appealing SPS 's continued practice of illegal Dual Tracking while in Active Modification, as well as in legal disputes, and while waiting for SPS responses to my written requests. During this entire time SPS has ALWAYS held a sale date over me signifying they are not serious about modifying my loan but taking my property away with foreclosure. I am reporting SPS 's deceptive, unfair business practices, deceitful, non-transparent dealings as well as dual-tracking violations.
Product: Checking or savings account

Contacted the M & T branch in XX/XX/XXXX at XXXX XXXX to close my business checking account. I was advised that I need to remove the {$10.00} out of my account in order to close the account. They stated that after removing the {$10.00} they could send me a docusign to close my account. 

I then removed the {$10.00} and called back on XX/XX/XXXX at XXXX XXXX My called was answered by XXXX who repeatedly asked why I couldnt come in the branch. I explained that a drive to the branch is almost an hour round trip. I explained my previous call and that I was advised to remove the {$10.00} from the account and that they could send a docusign. She placed me on hold multiple times to speak to a woman name XXXX. 

Their branch then stated that I would be charged a {$10.00} analysis fee to close the account and that I need to ADD {$10.00} to the account. I inquired why I was asked to remove the {$10.00} to just redeposit the {$10.00}. XXXX had no explanation and was no assistance. 

M & T branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX is purposely playing games and will not close my business checking account. Please close my account!!! It has now been two weeks of going back and forth with them for a simple account closure.
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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redness for this violation.
Product: Mortgage

Cross Country Mortgage and I have been working for XXXX weeks to get to get my loss mitigation request processed. They keep asking for an HOA bill on a specific letter head. I have called the management company of the HOA multiple times and asked for different things they say they are unable to comply with. The mortgage company refuses what the HOA company IS able to provide me. Because of this I am unable to complete my loss mitigation ( forbearance ) request. The phone agent said to me there is nothing they can do as its required by Cross Country and they set the rules and refuse to put me in touch with the underwriter, XXXX. They say he doesnt have an email or phone number to contact me.
Product: Credit reporting or other personal consumer reports

Experian sends me email updates for someone else 's account. The person 's name is very similar to my email name, only one additional character. I have spoken to someone at Experian to update this and remove my email address and they are still sending me her information. I called a second time and was disconnected while speaking with a representative, I even tried to call the corporate office but was cycled through the same annoying automated system as if I called the XXXX number. There is no reason that I should know someone else 's account number for experian or any of her personal information like the type of accounts she has or her credit limit but due to Experian 's errors, I do.
Product: Bank account or service

Chase is charging overdraft fees for account being negative 3 hrs. Account shows positive at XXXX cst and then goes negative by XXXX. If I cover the negative amount the same day they still charge me the fees.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I was offered a business credit card for XXXX XXXX, with a {$25000.00} limit. Upon using the card in early XXXX, I noticed a major increase in credit utilization and a drastic drop in my personal XXXX XXXX, from XXXX to the XXXX. 

Furious, I contacted XXXX Bank to inquire why this business credit card was being reported on my personal credit report. I was not a personal guarantor for this account, and as such, it should not appear on my personal credit file. Despite my efforts to resolve the matter, no corrective action has been taken as of XX/XX/XXXX. 

This error has severely damaged my business and personal credit as a real estate investor, preventing me from making new property purchases and forcing me to accept higher interest rates. 

Under the Fair Credit Reporting Act ( FCRA ), business accounts should not impact personal credit unless specific terms, such as personal guarantees, apply. I request the immediate removal of this account from my personal credit report, as it is negatively affecting my personal and business financial standing.
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Took out a loan to move for employment for my son and I, the loan was deposited on XX/XX/2021, and it was stolen out of my account on XX/XX/2021, how convenient, this is not a consequence, my check was stolen from the Postal Service middle of XXXX for my son 's credit card bill, mailed it from work, have witnesses, and have a witness who watched me write the check. It was first deposited supposedly, which it says on the back, mobile deposit to XXXX, well they have competent people apparently, XXXX and Chase Bank do not have competent people. I will be made Whole again, I am a victim and I am not going to eat this, XXXX and Chase Bank will pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : VANCE & HUFFMAN LLC Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that this account below is reporting erroneously in Equifax. I do not remember having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete this straightaway. 


XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was suppose to receive a refund of XX/XX/2023 from a store of XXXX . The refund was over the weekend so over the weekend I seen the pending amount. I check periodically. I checked Sunday night the whole pending amount disappeared, money never came into the account it was like it never got refunded. I sent in a receipt of refund maybe XXXX times. Literally. It is now XXXX they opened multiple claim & allll of My claim got denied. For what reason? The receipt said refund date & card digits. Never got that money back. 
Tuesday XX/XX/XXXX I sent XXXX $ to a friend on XXXX XXXX XXXX. I went over my limit so they refunded me on Friday XX/XX/XXXX. Checked Saturday pending deposit was there. Now Sunday XX/XX/XXXX. Whole transaction disappeared. Now I fight them again for 8 months just for them to keep my money again?
Product: Vehicle loan or lease

I attempted to apply for an extension of credit and was discouraged from the transaction, initially, because there were no disclosures as to why my Social Security Account Number is Mandatory. After reluctantly submitting my Social Security Account Number, due to lack of explanation or any other option, I spoke with multiple agents. I spoke with two online advocates, XXXX and XXXX, and one, XXXX, over the phone. Amongst many questions, I requested disclosures of why my Social Security Account is Mandatory and not voluntary including the conspicuous disclosure of by what statutory or other authority such number is solicited and what uses will be made of it since none was provided in the application process. 
I was denied and ultimately dismissed by the online advocate XXXX and XXXX without proper information pertaining to my greivance. The over the phone advocate, XXXX, ultimately denied me such information as well. The act of requiring a Social Security Account Number without proper dusclosure is a violation of 28 CFR 802.23 ; 15 U.S.C 1602 ( l ) ; 12 CFR 1002.7 ( a ). 

Also I was asked a cash downpayment of over {$13000.00} dollars. I asked the onle sales advocate, XXXX if the company usually and customarily arrange downpayments in that ammount to which she responded, " We do not have a customary amount for the down payment as it depends on each customer. '' I then informed her that it was a violation of my consumer rights to demand a downpayment if it is not customary to do so in accordance with 15 U.S.C. 1662 ( 2 ). I asked for an explanation as to why to Policy of the company does not align with Federal Guidelines but i was negligently dismissed. This is False and Misleading Advertisement pursuant to 15 U.S.C. 1662.

Lastly, the finance charge was separate from the downpayment which was a futher violation of Truth in Lending causing further injury to my welfare because the Company is not upholding Federal statute that protects consumers, acting in good faith, from wrongdoing by deceptive practices. I stated to the Advocte XXXX, online and over the phone, that the determination of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. She stated that she did not know the law but would not direct me on how to reach the legal department nor would any of the advocates escalate the call for clarity. 15 U.S.C. 1605 ( a ) Each are serious violations to my consumer rights.
Product: Credit reporting or other personal consumer reports

Hi, I need help resolving an issue with Equifax. I was able to get my report and score updated on there end, but now creditors can't access my credit report. I received an hard inquiry from XXXX. I was approved and was made an offer, but they couldn't finalise it since they access my report. I basically received a hard inquiry for nothing even though I was approved. XXXX said I can still use that inquiry to check my report in 27 more days. I need help unblocking my file to other creditors. You can see there is something going on with the errors that pop up everytime i login to their portal.
Product: Payday loan, title loan, or personal loan

The recovery agency for the XXXX XXXX XXXX threatening phone calls on garnishment of my SSI benefits. The loan amount was in XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 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 the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Discover Bank ) Making the report is NOT INCLUDED on my Consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX,  XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Credit card or prepaid card

HAVE NOT USED MY PAY PAYPAL CREDIT CARD IN YEARS BUT SAW A BALANCE OF {$260.00} IN MY XX/XX/2022 XXXX CALLED PAYPAL TO COMPLAIN ABOUT THE UNAUTHORZED CHARGES ON MY ACCOUNT IN XX/XX/XXXX. CUSTOMER SERVICE ASSURED I DONOT HAVE TO PAY AND THAT THEY WILL CREDIT MY ACT FULLY AND INVESTIGATE. THEY DID NIETHER AND I STILL SEE BALANCE IN MY ACT. 
PLEASE HELP CREDIT MY ACCT AND CLOSE IT FOREVER.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the recent handling of a dispute regarding a XXXX late payment reported on my XXXX XXXX account for XX/XX/year>. When I initiated the dispute, I expected Experian to conduct a thorough and accurate investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, not only was the XXXX late payment not corrected, but my credit report was erroneously updated to reflect an additional late payment for XX/XX/year>, which is completely false. 

Furthermore, Experian is also inaccurately reporting my last payment date as XX/XX/year>, according to my most recent credit report. This is incorrect, as my most recent statement from XXXX XXXX, which I have enclosed, clearly shows that my last payment was made XX/XX/year>. This inaccuracy adds to the already false reporting of late payments. 

Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), credit reporting agencies must delete or correct any information that is inaccurate, incomplete, or unverifiable. The addition of an XX/XX/year> late payment and the incorrect last payment date are both demonstrably inaccurate, and these errors are significantly impacting my credit rating! Moreover, I am including my most recent statement, which shows that XX/XX/year> has not even been reported yet, making it impossible for any late payment to be valid. 

In addition to demanding the immediate deletion of both the XXXX and XX/XX/year> late payments, I am formally requesting the method of verification used to confirm this erroneous information, as I am entitled to under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Automated systems such as e-Oscar or any automated verification process will not suffice. I expect a detailed, manual verification from the original creditor or data furnisher, as the current information on my report is inaccurate. 

Furthermore, I do not wish to receive an email response. I am demanding that you send me a hard copy of my updated consumer report once these inaccuracies have been removed, as is my right under the FCRA. Failure to comply with my request for verification or to delete these false entries would constitute willful noncompliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies, as well as pursue legal remedies if necessary. 

Please correct and delete the inaccurate late payment entries and incorrect last payment date immediately, and provide me with an updated credit report reflecting these corrections via postal mail. I also expect a response detailing the method of verification used. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to obtain a credit card from XXXX XXXX. I used my phone and appropriate PINs to unfreeze my credit at XXXX XXXX and XXXX for one day. I was unable to unfreeze my credit at XXXX because their automated system no longer provides the option to unfreeze credit. That was unexpected as I previously have done it several times in XXXX, XXXX and XXXX via the same Experian PIN and phone number XXXX. I also tried an alternate Experian number XXXX and encountered the same unhelpful automated system. 


Even after significant effort, I was unable to find any means to contact a live person at Experian with whom I could discuss the problem. 


The helpful clerk at XXXX XXXX suggested I contact the XXXX XXXX Credit Card Department at XXXX to see if there was a work around. My credit application number was XXXX. The contact at XXXX was XXXX at XXXX XXXX. Both she and her manager informed me there was nothing they could do and that I should re-apply for credit in 30 days! 


Although my credit is good, the inability to temporarily unfreeze my Experian credit prevented me from obtaining a XXXX XXXX credit card.
Product: Checking or savings account

On XX/XX/XXXX someone " hacked '' into my savings account and illegally wired approximately {$4100.00} to a " XXXX XXXX '' without my approval or knowledge, I reported it to the bank.
Product: Credit card

I paid XXXX XXXX a total of XXXX dollars for replacement of a XXXXXXXX XXXX XXXX XXXX which XXXX of the charge was placed on my Discover Card on approx XXXX. After I spoke and confirmed with insurance agent that panel was replaced and received a text from XXXX XXXX  that my pool was operable, I paid them. When I arrived home from out of town, I discovered the pool control panel was not replaced and pool was not working. When I confronted XXXX XXXX and XXXX XXXX with XXXX XXXX, I was blocked from any communication. Additionally, I filed a police report and a complaint with the XXXX XXXX XXXX XXXX. 

When I filed a dispute with Discover, I felt I was given the run around. I feel the company FALSELY advertises that their card holders are protected from faulty purchases or fraud. I sent the company a large packet certified mail and at first it was lost by Discover. I had to call four + times and provided the tracking number. When I called on XXXX to follow-up, I was told that I had to receive proof from XXXX XXXX to receive a refund. This is not what I was told by the security department at Discover. I was told " we are a documentation type of business '' and was encouraged to send all the information I had to plea my refund case. I feel Discover is misleading and scamming consumers to say that a consumer is protected and will not investigate the claim. I did not have his issue with XXXX credit card. Furthermore, I explained that I was cut off from any communication from XXXX XXXX  and was told basically too bad ... '' call the XXXX XXXX XXXX. '' I feel Discover should have sanctions due to their misleading public education of protection to their cardholders. I feel XXXX XXXX should have a charge back and I should be relieved of the XXXX dollars charge as I did not receive the item/service I paid for.