23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been in my home for over 16 years. Back in XXXX of XXXX I filed for bankruptcy in order to recover from a financially devastating blow to my household. I applied for a modification with Bank of America back in XXXX XXXX and I have been given the run around for the past 9 months. I have had 4 different account managers requesting different documentation and every time I submit the required documentation, I am advised that the original documents have expired and to resubmit them. I have done this on 3 separate occasions and BOA allows the documents to expire and I have to call 2-3 times per week to follow up. There is no follow through or any desire to assist. I am tired of empty requests and threats of foreclosure when I am jumping through hoops to save my home. XXXX XXXX is my current case manager and every time he calls me with another hesitation strategy. I have requested assistance from a manager but my  concerns have fallen upon deaf ears. I have been strung along for 9 months and after being told that I have submitted everything, my case manager called me again today to request additional financial documents because they have expired again due to lack of follow through by Bank of America and due to no fault of my own. Attached is proof from their portal that I have provided a wealth of documentation ( at times duplicates ) in order to support my request as requested by BOA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer services 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

TRANSUNION Report # XXXX XXXX XXXX XXXX, is listing XXXX Account ( s ) with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
All accounts listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

After I cancelled the bi-weekly withdrawal request in XXXX, the extra payment of {$600.00} was still withdrawn in XXXX. The following is a timeline of events. 

Cancelled the bi-weekly request in the beginning of XXXX through Customer Service by voice and through email request. Customer Service Representative confirmed she cancelled the request Called customer Service to verify payment in the middle of XXXX. The Customer Service Representative again verified the cancellation. Your website verified the monthly payment was due on XX/XX/XXXX and not on XX/XX/XXXX as with the bi-weekly payment. 
On XX/XX/XXXX, you withdrew the bi-weekly payment. I called Customer Service to resolve this matter and found that it was cancelled in the system, but it appeared it was reinstated. The Customer Service Representative stated that I would probably get payment back in three days. 
On XX/XX/XXXX, I again called Customer Service to ask about the status. I was told the bi-weekly payment was cancelled, but not the scheduled payment for the original request. This representative also stated it could take up to 10 days for reimbursement. 

It is now four days past the initial request for reimbursement, and I have not received the reimbursement. Since this was your error, the money should have been returned immediately. I have incurred a fee because the money was withdrawn without authorization. Its not acceptable to say that I can expect reimbursement 7-10 days when this was their error.
Product: Credit reporting or other personal consumer reports

I am writing to " EXPERIAN '' to follow up on my recent request to have non-mailable addresses removed from my credit report. While I appreciate your prompt attention to my previous request, it seems there may have been a misunderstanding regarding the number of non-mailable addresses associated with my account. As well as to address the need for the deletion of an " Alias Duplicate '' as previously discussed and shown in the file uploaded.

In my initial communication, I explicitly requested the removal of " ALL '' non-mailable addresses, regardless of whether they are linked to an account. However, it appears that only one of the two non-mailable addresses was removed from my credit report. 

I kindly ask that you review my account once again and ensure that all non-mailable addresses are removed in accordance with my request. It is imperative for the accuracy and completeness of my credit report that this matter be addressed comprehensively. 

I appreciate your attention to this matter and look forward to your prompt resolution.
Product: Checking or savings account

They refuse to help me with the reveesal overdraft fee they will charge me when I said I didn't have money homeless they they refusal my account overdraft now
Product: Credit reporting or other personal consumer reports

noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non english speakeing persons or Al qustions that didnt pertain to my questions.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( except
Product: Debt collection

From XX/XX/23 to today, XX/XX/23 they called me 17 times. They even called me after I paid my monthly payment, though it was late. I told them that this was harrassment when I finally answered their call. They informed me that they are allowed to call me that many times. They used 2 different numbers to call from XXXX and XXXX. The company 's name is Conns XXXX. I told them that I work from XXXX am to XXXX pm, but was informed that they can't guarantee that someone won't call me during those hours. I had told them on XX/XX/23 that I would make a payment online on XX/XX/23 once I received my paycheck. I am not normally allowed to deposit my paychecks until after XXXX pm on XXXX. They called me at XXXX am and then proceeded to call me 5 more times on XX/XX/23 alone, at XXXX am, XXXX am, XXXX pm, XXXX pm and XXXX pm. I posted my monthly payment before receiving their last call and was not 30 days late. Most of the calls took place while the owner of the company that I work for and my supervisor were present, which made for an embarrassing situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, 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 XXXX business days of you receiving this complaint.
Product: Vehicle loan or lease

I was thinking about buying a house, after looking at my credit report I realized there was several fraudulent accounts on my report. Right now i'm going to start off with the fraudulent car loans because I am confused on how someone can get a car in someone else 's name ; however I guess they can because I there are two accounts in the name of XXXX XXXX XXXX one which was open during XXXX with the balance of XXXX, the second was opened XXXX with the balance of XXXX. There are also several hard inquires which are fraudulent which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$570.00}
Product: Debt collection

On XX/XX/2020 I received email that my balance was now XXXX. I requested a deletion of the item off of my credit on XXXX XXXX by email to the same person whom sent the XXXX balance info, but no reply received. Therefore I called and was transferred to XXXX voicemail.  Today XX/XX/2020, he calls back very sarcastic stating the company will not remove the item. I've attempt to call this company on several occasions to request the removal but still as of today the item remains.
Product: Mortgage

Greentree has falsified documentation as to my home affordable loan. I have record that show how many times I applied starting in XXXX. XXXX XXXX was my reprehensive that harassed ma and lied about paper work. I have a folder of everything. I have a copy of a letter I wrote to hem on XX/XX/XXXX about all these issues..Greentree states that I denied help for a modification. It took many frustrated days until I finally got a mediator XXXX XXXX XX/XX/XXXX. Because it didn't matter all the faxing, talking was getting me nowhere. I have documentation to show all. When XXXX XXXX summited everything I sent to them, they had not choice but finally get the program I needed and had applied for. 
There facts are lies. And Ditech is doing the same dishonest things. Telling me after the hurricane that they were here to help. I took advantage of that and in XXXX the were threating me foreclose for {$3500.00} and added {$630.00} for interest ... I started to pay and extra {$500.00} a month but they came after me ... I sent them 3 Hurricane checks. In XXXX and the first of XXXX. Its now XXXX And they have held my money and lost one of the checks. The told me I must have sent it to another address. NOT. I called my insurance company and the told me the checks were deposited to the bank on XXXX XXXX 
Greentree and Diteck are sister companies and Diteck took over Greentree. Told to me by one of the employees a week ago. This is not a company that can be trusted. 
I have lived in this home for 40 years and I plan to keep it ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXXXXXX XXXX XXXX, and Sagestream received my request on XXXX. I have not received my credit reports from XXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
Product: Debt collection

I have no knowledge of this account so I have no information on it. The company is refusing to remove it saying it's accurate
Product: Debt collection

In XX/XX/XXXX, I got a copy of my credit report and saw this debt on my report so I disputed it with all 3 credit bureaus. After 30 days, the debt was removed from my XXXX and XXXX report because they failed to verify the debt was valid. However, XXXX did not remove the debt. When I called XXXX, I was told that the debt was verified with them and that I needed to contact the creditor. In XX/XX/XXXX, when I called Hunter Warfield, I realized that they were a debt collector and not a law firm. I asked them can they show me proof of the debt to validate it but I was blantantly told that they did not have to show me anything because they proved it to XXXX, he was very nasty, disrespectful, and biligerent with me and hung up the phone on me. It is now XX/XX/XXXX and I have not received any type of communication whatsoever from Hunter Warfield validating this debt. Upon doing my research on this company, I found out that this company has many complaints against them for doing the same things that they are doing to me. Please Help!!!
Product: Debt collection

Good morning my name is XXXX XXXX and I am writing to you to report XXXX XXXX XXXX from XXXX, OH. 
I wrote them XX/XX/2018 to ask them to please validate the debt and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, MIDLAND CREDIT MANAG ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAG has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax XXXX XXXX in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. Equifax has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this company.
Product: Student loan

The company is reporting negatively on my credit report. The company didn't fully disclose information about this alleged debt upon signing which makes the contract null and void. I want the items removed off my credit report. I do not give my consent to this company to report on my credit report. I have a right to privacy.
Product: Credit card or prepaid card

XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX Care Credit, XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX concerning XXXX XXXX XXXX ( XXXX ) of XXXX, Colorado. OnXX/XX/XXXX, I received documentation from XXXX XXXX where they had questioned a medical provider, XXXX XXXX XXXX XXXX XXXX, instead of XXXX. How XXXX XXXX thinks that the XXXX XXXX XXXX XXXX XXXX is the same as XXXX XXXX XXXX  is beyond me. 

Please require XXXX XXXX to properly investigate the complaint against XXXX as originally requested on XX/XX/XXXX and respond appropriately. 

Thanks! 


XX/XX/XXXX This charge is from the fraudulent company, XXXX XXXX XXXX ( XXXX ), who charged an exorbitant amount to write a mediocre, at best, resume that has not received any response. Their contact person just kept saying to contact your former co-workers and friends for job leads. I complained to him multiple times both prior to the end of their six months of non-help and following and never received a call back. I then complained to the Colorado Better Business Bureau in late XX/XX/XXXX or early XX/XX/XXXX, and have yet to hear from them or receive any real help at all. They did provide a short half-page list of recruiters they had supposedly sent my resume to for support. When I started calling them after no response, I found that most of them were out of business, so it is no wonder they were of no help. It is clear to me that once XXXX has the money they wanted and called 3-4 times to tell you to keep contacting people on XXXX, they are finished with support and move on to the next gullible unemployed/underemployed person. 

I subsequently contacted two recruiters ( both of whom specialize in other industries and were not able to help me ), one of whom said that XXXX is a known rip-off and expressed his sorrow that I was abused by them, and the other recruiter who identified the XXXX resume as pathetic. Additionally, two HR people have helped with suggestions to improve major flaws in the XXXX developed resume. 

As a result, I am disputing the entire charge for the lack of service and support that was promised in their sales pitch to be provided by XXXX. Please advise further in how to dispute this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Written 2 validation letters and sent certified mail to TransUnion & XXXX regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and there are inaccuracies on my credit report. I have filed an FTC identity theft report because accounts were opened in my name. Equifax is violating my rights by not correcting my consumer report. In accordance with the FCRA, 12 CFR 1022.3 Definitions -Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
- Anything added to your report without your written consent could be considered Identity theft Also in accordance with FCRA is 15 U.S. Code 1681B- Permissible purposes of consumer report - I didn't give Equifax written consent to report the inaccuracies. I have not received any written disclosure to authorize the reporting of these inaccuracies. 
15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Accounts Due to Data Breach Request for Deletion Under 15 U.S.C. 1681 To Whom It May Concern : My name is XXXX XXXX, and I am writing to formally dispute certain accounts on my credit report, as these accounts were created as a result of my personal information being exposed during a data breach. My information was compromised and is now being used fraudulently. As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I am requesting the immediate removal of the following accounts from my credit report : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) Account Number : XXXX ( Closed ) XXXX Bank Account Number : XXXX ( Closed ) XXXX XXXX XXXX Account Number : XXXX ( Closed ) These accounts were not authorized by me and were affected due to the breach of my personal data, which I have learned is now available on the dark web. I request that you investigate these accounts and take immediate action to remove them from my credit report as they are not legitimate. 

Please confirm receipt of this dispute and inform me when the accounts have been deleted. I have also filed reports with the Federal Trade Commission ( FTC ) and relevant authorities concerning the breach of my data. 

Thank you for your prompt attention to this matter. Should you need further information, do not hesitate to contact me at the details above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 PayPal took XXXX that was on hold for XXXX  days & kept it after sending it to themselves.
Product: Mortgage

When loan was bought out from previous lender there was no deferred principal. Now M & T Bank added a deferred principal loan in the amount of {$20000.00}. My statement from the last loaner had no deferred principal on my statement or my IRS 1098 form for the year XXXX or XXXX. Where they came up with this additional loan amount - I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX and XXXX of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Product: Payday loan, title loan, or personal loan

Lenmark Financial was paid off on XX/XX/2023. It's showing that I owe XXXX .Also the relatives on my report does not involve being related to me and I'm concerned about having the removed off my report. Thank You.