23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am representing a foreign national buyer who submitted application and got a CD 2 days prior to closing ( attached ), to a surprising news that the loan was not submitted properly and the Loan Officer fired for questionable procedures. The mortgage company stepped in because saw that the file was already approved and placed a new loan officer to resubmit the documents ( new loan file ) to verify. After all that verification, the file was conditionally approved with 3 requirements ( 1 of them a 24 month reserve for monthly payments with a 30 % down payment commitment from the borrower ). Nowhere the borrower was told about that amount of reserves needed and not one of the papers signed stated the policy. Today a month after the borrower has been in the United States, the Mortgage Company is scaling back to ask for more documents showing clear sign of discrimination to the borrower who has always submitted everything accordingly. In the middle of the delays, the borrower has been spending money and paying taxes which compromises even more her position and now she is at risk of losing the deposit given to the builder. 
The borrower does n't speak english but has done everything in her power to satisfy the multiple requests of the lender who had everything from before but decided to ask again for everything not caring for her time and money spent in this country.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App XXXX XXXX XXXX XXXX due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ) Specially, 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 redress for these violations.
Product: Debt collection

Bank of America is reporting a charged off account in my name that is the result of identity theft. They recently verified the account as accurate. The FAILED to provide me with proof of the debt, my signature on the original contract, original terms of the account, any proof that the account belongs to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that XXXX XXXX accessed it without my permission on XX/XX/2023. They have not met the requirements under the FCRA to gain access.
Product: Checking or savings account

On XX/XX/year>, I contacted the USBank concerning a fraud case. My computer was compromised by a scammer pretending to be XXXX XXXX. I called the bank to freeze all funds, but they allowed the funds to be released XXXX days later. My account was frozen even to me, but the money was given to the Scammers. I took my computer to the computer store and paid for a diagnostic test, and they found out that my computer was compromised. I went to the bank to recover the stolen funds, and they advised me to change my business account to a new one, but they sent a letter denying the claim. I contacted my attorney who wrote a letter to the bank in preparation for a lawsuit if possible. However, in the meantime, I received the login information, debit cards in the mail, but I can not see my online account. It has been three weeks now, and nobody can not solve this problem. This is the busiiest time of the year for my business, and I am unable to conduct business online. I have spoken to at least 10 people concerning this matter for three weeks straight even calling after work hours. I was hung up on many times, because of the incompentency concerning my case. This is the wrong time of the year to close my account with the USBank and to start a new business account elsewhere. I need to keep this account open for now. Please Help! and Please Reply!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established Metro 2 data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX Late Payment {$1800.00} XXXX XXXX XXXX Late Payment {$8800.00} CREDIT XXXX BANK NA XXXX Late Payment {$600.00} XXXX XXXX XXXX Collection {$2400.00} XXXX XXXX Collection {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$1200.00} XXXX  XXXX Charge-off {$3100.00} XXXX XXXX  XX/XX/2023
Product: Debt collection

Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed?
Product: Mortgage

In XXXX 2014, we began the refinancing process with PNC Mortgage, the lender that had our mortgage at the time. Our refi was approved but PNC was a little slow to get the closing date set in XXXX, perhaps due to the Holidays. Our PNC Mortgage payment was due XXXX/XXXX/14, and if not received by PNC by XXXX/XXXX/14, a late charge or {$280.00} would be assessed. My PNC Mortgage Banker working on the refi told me that PNC does not charge PNC customers a late fee if they are in the process of refinancing with PNC. He advised me not to pay the XXXX payment as he expected our refinance to close before XXXX. I called Customer Service and was told the same thing : PNC will not charge a late fee to an existing customer who is refinancing with PNC. Since PNC still had not set the closing date, I went ahead and made the usual payment so it would not be late. However apparently PNC documented payment as of XXXX/XXXX/14. When I received the closing documents on the day of the closing,XX/XX/2014, I requested a copy of the PNC Payoff Statement from the title company. It clearly lists a charge of {$280.00} for Unpaid Late Charges. I complained at that time to the Mortgage Banker and the title company but PNC said the closing would have to be postponed to recalculate the documents. If we refused to close until the documents were corrected, PNC said with the Holidays, they were n't sure we could close by XXXX. PNC told me the {$280.00} would be refunded with any excess escrow funds when the title company disbursed their final funds. That did not happen. I have inquired several times, both in writing, and over the phone with PNC Customer Service and the Mortgage Banker who handled our refinance, but PNC will not refund the late charge. Customer Service acknowledges this is their policy : to not charge a late fee to PNC customers refinancing with PNC. However they state they can not do anything now since the loan is paid off. The Mortgage Banker agrees with my complaint, and said he would ask his manager to intervene and request a refund, but he no longer responds to my e-mails checking the status of the refund. I want the refund PNC owes us of {$280.00} for a late charge PNC stated numerous times they would not charge since we were refinancing an existing PNC mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Regions Mortgage has owed my escrow refund from XXXX for over a year now. They claim they sent out a check that i never received. I called the first time on XX/XX/XXXX to try to get them to reissue the check, which they claim they did and i again i never received. 

Then they claimed that the amount had probably been credited to my XXXX escrow refund which we have discussed multiple times and now know it hasn't based on the analysis of my escrow statements. They keep saying they are searching for the missing check and that they will get back to me. 

I have spoken to multiple representatives, multiple supervisors, escalated the issue, etc. 

It is infuriating to have to make more than 20 phone calls to try to get a reimbursement for money that i am owed, all the while to keep getting nowhere. 

Their level of customer service is a disgrace and an abuse to a consumer like myself. 

Please help me sorting out this issue!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

On XX/XX/2017 I requested Wells Fargo Bank to pay my Water/Sewer Bill to " XXXX '' using their 'Bill Pay Service ' from my checking account. The XXXX payments sent on XX/XX/2017 [ {$30.00} and {$170.00} ] went to the wrong XXXX address. The payments were not credited my account with/by XXXX. XXXX required me to send payment again and I did. I filled a complaint with Wells Fargo and they refused to cancel the payment. They replied " our research has confirmed that this payment with no error on our part. '' I believe they had a duty to determine the depositor of these XXXX checks was the Payee Specified [ XXXX ]. They claim they have no way to retrieve the monies intended for XXXX [ specified payee ].
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for credit and was denied regardless of the reason for being denied. I have the right to credit. Withholding my access to my securities is securities fraud your violating the Equal credit act as well as consumer credit protection act. Title 15 United States code 1691 scope of prohibition mentions it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit. Transaction activity is prohibited under federal law.
Product: Student loan

Navient refuses to answer questions regarding payment plans. I have records of several e-mails where Navient 's only response is to " call them '' but then when you call in, there is no accountability for what is said over the phone. Navient has made absolutely no effort to work with me, a professional in my field with a credit score of XXXX, and instead has pushed me to look into options of bankruptcy as their current payment per month would quickly force me to choose between paying my mortgage, or paying my student loans.
Product: Student loan

At the beginning of XXXX, 2017, I emailed fedloan requesting a payoff for a direct parent plus loan as I needed to pay off the loan in order to close on a mortgage. I did not receive a response. I called to request the amount one week later. No response. I called the third week in XXXX and finally received the payoff amount of {$3000.00}. I brought this amount to the closing table with the loan payoff details. I verified with closing agent the check was sent overnight. Fedloan did not put the money toward the payoff. I called in XXXX and was told a request would be sent reapply the amount to payoff the direct parent plus loan. In XXXX I called again to request the amount be applied to pay off the parent plus loan. I was first told it should have already been done and would now only take @ 24-48 hours. I then asked who regulated fedloan and was sent to a supervisor. The supervisor stated it would take 7-15 days. All communication for requests could only be sent via email. No one could talk to those that process the requests. During this whole time I monitored my fedloan page for any upcoming payments. Balance was always XXXX. XXXX 2017 would have been my first month coming out of grace period. It has been my experience in the past if I made a large payment over what was due the balance was always XXXX. Now that the payment has finally been processed to pay off the parent plus loan my fedloan page is stating I am past due on payments. States I have not made a payment since XXXX 2017. I made a payment of {$420.00} XX/XX/XXXX. Now it states I am late and have a past due amount of {$930.00} yet still have a XXXX balance due for XXXX. It seems to me this fedloan unethically tries to take advantage of me by putting my payments where ever is the best interest for it 's bottom line. I feel as if I am at a disadvantage and am vulnerable to a loan shark. It took months to resolve this issue and now they are hitting me with past due interest for retaliation for me paying off the parent plus loan. I have always paid off education loans quicker than the designated time frame. My payoff history shows the proof. Now, looking back in my fedloan inbox I see a response stating the payoff was insufficient and my repayment terms have changed. It seems my statement that I would file a formal complaint to who ever regulates them changed their mind and they applied the pay off to the parent plus loan. Now, they have added unrealistic additional interest charges. American students of higher education beware of fedlaon!
Product: Credit reporting or other personal consumer reports

I was looking to my credit report and noticed that there were hard inquiries that are not mine on there.
Product: Mortgage

I called Loancare towards XX/XX/XXXX or XX/XX/XXXX. It took many calls to even get through to their cs dept. Finally, I was able to speak with someone about working my XX/XX/XXXX mortgage payment into my future payments ( aka, a payment plan ). My normal rate was around $ XXXX month. After the plan got set up, I was paying them $ XXXX month. I also had to fax them a form stating I agreed to the plan. I was assured that this debt would not appear on my credit report since I set up a payment plan with them. My mortgage payment was not 30 days past due at the time I set this up. I then received a letter in the mail telling me that my mortgage was late. I called and again, after many calls, finally got through to someone who said she had no idea what I was talking about as far as a payment plan for XX/XX/XXXX. So, obviously, that concerned me because it 's my credit and my home we 're talking about here and I have never been 30 days late on a payment. After a frustrating call, getting no where, I hung up and decided to leave a review. Then they responded to my review just asking me to email them. I was all paid up on my payment plan by XX/XX/XXXX and so I emailed them and asked specific questions like if they could confirm I was all paid up and my mortgage payment would return to the normal rate. Their response did not answer my questions and so I then responded, immediately, to the same email and they " promised '' to respond by XX/XX/XXXX. This was after 3 emails to them. So, here comes XX/XX/XXXX and still no response. I emailed them 2 more times and no response as of today. It is unfair that my account was transferred to LoanCare through XXXX XXXX XXXX without my consent and now I have to deal with a company that literally has no customer support. Here are my questions for Loancare who will not respond to me anymore. 



Thank you. The letter you sent caused confusion on my end. 

Can you please confirm, yes or no, the following questions : 1. Is my XX/XX/XXXX payment going to be {$540.00}? ( Y or N ) 2. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied towards my XX/XX/XXXX mortgage dues for the repayment plan? ( Y or N ) 3. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied to Principal instead of the XX/XX/XXXX mortgage dues? ( Y or N ) I need assurance that LoanCare has NOT been reporting to the credit bureau that I have missed my XX/XX/XXXX payment, because I set up the payment plan in XX/XX/XXXX, and was assured that it  would not go on my credit as a bad debt. 

Can you confirm that LoanCare is not on my credit report through any of the credit agencies? ( Y or N )  Thank you
Product: Credit reporting or other personal consumer reports

If Experian can not provide documentation of the wet ink signature for the original contract for the accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX account, which does not have an account numbers to reference to. These include two 90 day late payments posted in XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - I have been unable to contact Transunion to request my credit report or check on the status of a credit freeze. ( I have no problems with XXXX or XXXX ) I contact Transunion ( as well as XXXX & XXXX ) each time someone attempts to open a line of credit which has happened several times over the last couple of years.

I begin by logging in to their website where the response is always the same - " they are unable to complete my request ' and I am given the option to call by phone or chat.

Attempting to contact Transunion by phone or chat has never been successful because of the extreme time waits imposed.

Regardless of the method you use, you are always referred to an alternate method.

When trying to request a copy of my credit report from XXXX, my computer freezes up when requesting the " Transunion '' Credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$910.00}.