23daVinci/CFPB_Complaints huggingface dataset:
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 has caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am disputing a collection account reported by JEFFCAPSYS with account # XXXX, a balance of {$1600.00}, and XXXX listed as the original creditor. I have never entered into any agreement with this debt collector or authorized this debt to be reported. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a consumer reporting agency can not furnish an account without my written instructions, except under specific circumstances that do not apply here. I request that you provide proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If such proof can not be provided, I request the immediate deletion of this account from my credit report. 

Please investigate this matter promptly and provide written confirmation of your findings and any actions taken.
Product: Debt collection

I have two debates on my credit from United Revenue services for medical bills. I never recieved any emails, calls or mail in regards to either of these debates. I've tried disputing this fact but they came back saying debate is mine, which I AM NOT DISPUTING. I am disputing the fact that these are on my credit as collections account when I was never made aware of these bills never made aware they were going to collections. I cant pay monthly on something I am not aware of!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

We have a home equity line of credit with Wells Fargo Bank. 
We all had XXXX in our home and my husband was out of work for a while. 
We called Wells Fargo and were told we could defer six months of payments and they would be added to the end of our loan with no additional interest or anything negatively affecting our credit line. After the six months we started resuming our payments and then Wells Fargo started calling us saying those six payments were not added on to the end of our loan and that we needed to pay them XXXX. We told them no that they were supposed to be added onto the end of our loan and that we were resuming our monthly payments. We have been customers with them since 1989 and this is our third mortgage with them. We have been going in circles with them and everytime we call we get a different person who tells us something different and at this point we cant even understand what they are saying. we owe XXXX and this past friday we went to the bank to pay a XXXX payment and the teller said he couldnt accept it because a message came up saying they could only accept the XXXX. We are getting no where with this bank and feel like they are scamming us and trying to take our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed months ago, tried to settle debts, 30 days no response and still reporting late payments every month violation 15 1692f and demand settlement of account and removal off credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a derogatory mark was added on my credit report per XXXX XXXX from First Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Mortgage

I have been paying my mortgage every 2 weeks like I have for years and this company changed my automatic payments in XX/XX/XXXX. Their system is completely disorganized and I have not had any luck getting anyone to call me back. This is the second year I have had issues.
Product: Mortgage

ATTN : XXXX XXXX and Wells Fargo Home Mortgage You and your agency must follow the law Refusing to accept or acknowledge the prior affidavits and power of attorney signed by XXXX XXXX Power of Attorney is on the record I have sent it previously therefor no further action or proof is required on our part Wells Fargo Home Mortgage is clearly operating in fraud with this behavior and you and your agency will be help accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services has failed to dispute the negative items on my report that I had submitted months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an ac count, held by the U.S. Department of Education, being rep orted on my  XXXX  and Experian credit reports multiple times ( mostly recently on   XX/XX/XXXX  )   without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with the  U.S. Department of Education  on    XX/XX/XXXX      and as of this writing,   XX/XX/XXXX   ( more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed a s  XX/XX/XXXX , but  the  'Date First Reported '  is listed as   XX/XX/XXXX , a nd at that time they claim the account was already in collection status. Neither the   U.S. Department of Education   nor  XXXX  or Experian have provided me with the 'Date of Default ; ' therefore, this account has not been proven to be mine, nor should it be listed on my credit reports.
Product: Student loan

the company Students Come First XXXX, promised me loan forgiveness if I consolidated my government loans and charged me {$590.00} for processing fees but never told me these payments wouldn't go to my balance, promised after paying {$2500.00} that the balance would be forgiven. All of it is incorrect. My loan was consolidated with Federal Student Loan and they said they have never heard of a forgiveness loan program unless you are a teacher, that I will owe the entire balance and Ithey don't have any payments that I made to Students Come First nor do they make any payment arrangements by credit card which is what XXXX XXXX set up for me under Students Come First - I would like my money back
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  XX/XX/XXXX, under the account number ( XXXX ), a secured personal loan account opened at XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). I have identified several fraudulent hard inquiries and collections on my consumer FICO credit report. Attached, you will find a detailed list of the hard inquiries in question, as well as a copy of my FICO credit report that highlights these fraudulent entries. I do not recognize the accounts, collections, or hard inquiries mentioned, as they were neither opened nor authorized by me. These entries are the result of identity theft and fraud. For verification, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), issued by the U.S. Federal Trade Commission, which confirms that these accounts, collections, and inquiries were caused by identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, applicant, are aware of Capital One Auto Finance deceptive and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. It is clearly and conspicuously Capital One Auto Finance have performed deceptive business practices pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to XXXX, XXXX, XXXX, And XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting or other personal consumer reports

As per under Section 623 of the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and have removed immediately the following information in my file : This item XXXX XXXX is inaccurate because of inconsistent reporting across all three credit bureaus. I am requesting that this be removed immediately for inaccurate reporting. I want a validation documentation with my wet signature on it, an actually hard copy signature from me with application, as I never ever applied for this. IF they cant provide this i want this removed immediately as they are violating my rights.
Product: Credit card

I received a letter on XXXX XXXX from Wells Fargo Customer Care-Remediation. 
Subject : Important information about account ending in XXXX I never saw this letter until a few days ago from my husband. 
it states I am the Claimant. I am not aware of anything and I would like to hear from Wells Fargo Customer Care -Remedation department to explain. 

Claimant : XXXX XXXX Claim Number : XXXX Claim Closed : XX/XX/XXXX Claim Type : Devbit Card Non-Fraud Dispute Reason : Services Not Provided or Merchandise Not Received. 

XXXX XXXX XXXX This letter was also mailed to an address I had not lived at since XXXX. 
My mother-in-law and husband own the home and I do not have a relationship with my MIL. 
Appreciate the time, XXXX XXXX XXXX name at the time letter was mailed does not reflect my married name XXXX XXXX XXXX ( XX/XX/XXXX ) with social security offfice prior to that I used my maiden name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 dispute letters to Trans Union to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX system, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.
Product: Mortgage

My mortgage was with XXXX XXXX XXXX until XXXX and was sold to XXXX XXXX XXXX. This month XXXX XXXX service sold my loan to Select Portfolio Services , Inc. Upon paying my first payment, I noticed that had added {$200000.00} to my outstanding balance. I regularly check this so I noticed immediately that it was an error. I called the company and they told me that they were using my XXXX Modification with XXXX XXXX XXXX for the current outstanding balance. I immediately called XXXX XXXX XXXX to get a loan history up until the loan was sold which reflected a total balance of XXXX and my final bill from XXXX XXXX showed an outstanding balance of XXXX. The new server has an outstanding balance of {$350000.00}. I called them and they refuse to correct the error. As you know, increasing the outstanding balance leads to higher payment of interest and less equity so it is important that they represent the correct balance. Additionally, selling mortgages does not allow them to charge me an additional {$20000.00} in the payoff of my loan. I believe that many others are impacted by this as illegal and unethical practices to charge consumers more than they owe. Additionally, I check the XXXX  and there are a large number of complaints almost XXXX in one year and XXXX over three years. They have three 3 class-action suits. I would like some assistance in these practices used to defraud individuals from their homes and charge more money. After this experience and their bad record, I would like to refinance but I can not allow them to make {$20000.00} on the sell of my loan.
Product: Mortgage

I requested an answer to my main question above on this site complaint # XXXX : YOUR COMPLAINT I think I am experiencing predatory lending. Carrington Mortgage bought the loan years after the loan was discharged in bankruptcy court a long time ago. I think 10 years ago. It looks like they are trying to collect old debt that was discharged a long time ago. They are making us pay more than 2 times the original mortgage payment, or they will evict us. According to pennsylvania latches, they debt can only be collected for the past 4 years. It might just be a misunderstanding, but I asked them to clarify why they are collecting a stale mortgage that has already been discharged in bankruptcy so many years ago. The agent said I have to send a letter to legal, meanwhile I'm still under threat of eviction. I understand that they bought a bad mortgage, but they should be only charging for the past 4 years? The old debt has already been written off in bankruptcy court years before they bought this loan. The original bank went out of business. I just want clarity, and an adjustment. You can not collect a discharged debt. Here 's my emailed question, XXXX XXXX, Can you explain what we are paying for? It has not been made clear to me what we are paying for. All we know is if we dont pay over $ XXXX, we will be evicted. Please see the info below. Please explain all portions that you want us to pay, because it looks like you are attempting to collect a debt that is more than 4 years old in the state of Pennsylvanias statute of limitations. Please explain how this does not apply to what you are expecting us to pay you, and please highlight the dates that correspond to why each portion of this $ XXXX debt does not apply to the 4year statute for the state of Pennsylvania XXXX Thank you The bank responded that there was a third party in the complaint they did not recognize, and they would reply to me directly. The only persons mentioned in the complaint above is myself, and a carrington employee. So far the bank can't answer a one sentence question. Instead they sent me a letter asking for me to fill out a modification of the $ XXXX debt the created. The loan was only for $ XXXX. the debt was discharged in BK court over 10 years ago. Carrington is trying to collect a discharged debt, and PA law says they can not collect after 4 years on a mortgage. 

Also, the banks insurance company has refused to fix the roof. The home is completely destroyed due to roof, fire, and water damage. The only approved the fire and water claim. Everytime the contractor tries to repair the inside which was approved, the roof downpours water when it rains and destroys the work again. The banks insurance company says the roof repair after a hurricain was only worth {$700.00} which is under the limit for payment. We've had several bids for repair for over $ XXXX. Carrington Mortgage is trying to force us out of our home by stealing it from us. They are trying to get a loan that has been discharged, and letting the rain destroy the home. Right now the homes value is around $ XXXX, but they are trying to get over $ XXXX for it.
Product: Checking or savings account

On XXXX XXXX I was admitted into the hospital for an entire month due to previously diagnosed XXXX complications and stayed for 4 weeks. There were several transactions made during this time some I did not dispute. I alerted the bank of these transactions in both accounts on 2 different occasions and a dispute was filed. My police report was sent via email and that was not considered. I received a letter stating that they are reversing the dispute credits because I have previously dealt with the merchant. I never said that I did not deal with them at that time I did not because I was very ill and hospitalized. 
They have been reversing the transactions every month since XXXX. The reasoning is not clear as there was no investigation because me an the officer went to two of the locations and they confirmed that I had not been there in the month of XXXX. When I contacted the Bank I was still in the hospital and the representative was bias when it comes to people of color. The representative kept calling me Mr. and I'm a woman with a deeper voice did verification twice To make sure it was me and asked me the same set of questions 3 times in a row to see if she would catch me in a lie and stating that its there policy to ask 3 times and I have personal experience from working at a bank so I know this is not true, she was basically telling me that I was not being forthcoming. I have been faced with this for along time with Key bank. The representatives insensitivity the fees, unwillingness to understand and lack of knowledge of the bank products itself and the rules that they are governed by. Also many don't seem to comprehend your Issues and will transfer you to the wrong dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with Fair Credit Report Act reporting Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Getting constant phone calls for the wrong person. Caller ID shows different phone numbers they are calling from and they do not leave a message. I called the number back to find out who they were and what they wanted. This is how I found out it was a Debt Collector. The person they are looking for does have my first name but the last name/last XXXX digits of the social security number are not mine. I told them they have the wrong person and to stop calling me. The calls are still coming in I answered 2 today and told them again they have wrong person to stop calling me and remove my phone number from their list. This time I said I would report them for harassment.
Product: Checking or savings account

XXXX to XX/XX/XXXX insufffficent funds notices and monthly amount for fee low balance. bringing account into negative than forcing a close on XX/XX/XXXX using up the 100.00 that was in account charging 200 dollars and creating a bad chex system report
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I'm unable to contact Ocwen about the 2nd lien on my property which was modified by Option One Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX, California XXXX on XX/XX/year>XXXX  in the amount of {$17000.00}.
Product: Student loan

XXXX XXXX was reporting on my credit report that a portion of my student loan, {$22000.00} was included in my bankruptcy therefore showing it 120+ days late and that it was now on a wage earner plan. All of this information is incorrect. Ohio law prohibits student loans from being included in a bankruptcy. These loans were on forbearance during this time. Also, my entire loan for XXXX XXXX ( a.k.a. XXXX ) owed is {$47000.00}. Why would only a portion of it be included on my bankruptcy. Again, all incorrect info. I sent them a letter stating this and the information was removed from my credit report. Within 30 days, the information was put back on my report but now reporting under Navient Solutions on my XXXX reports and under XXXX XXXX on XXXX. I would like this information removed from all credit reports as it is inaccurate information.