23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 this bill for XXXX dollars did not go through when it was on auto-bill.I reached out to the company and they said that they saw the the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

Credence resource called me about a XXXX XXXX debt that i need to settle it and delete it off my credit report after payment.Debt has been paid off or settled but they will not take it off my record and still trying to call me to collect the debt that i have already settle.
Product: Debt collection

All bills paid charges were falsely made moved from XXXX XXXXXXXX XXXX Reported on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit card or prepaid card

Syncrony bank charge me a late charge, I did not know the late charge was assessed. They then posted the next payment I made to the late charge and my account was determined to be late. I requested the late charge to be waived but now it's showing 30 days ( 32 days to be exact ) past due. Syncrony posted my money incorrectly to the account and caused this delinquency and this needs to be fixed. I called the credit card company and got hung up on and then tried chatting with someone online and the system didn't let me type. I can't get a hold of these people either to resolve the issue.
Product: Credit card or prepaid card

I received a prepaid debit card from the Department Of Labor through Key Bank on XX/XX/2022. 
After accessing my account on XX/XX/2022 my account was closed on XX/XX/2022. After numerous recorded conversations with customer service and supervision. Absolutely no answers were given as to why this happened. I contacted the Attorney General 's office and was told also that this shouldn't have happened.
Product: Bank account or service

I was traveling to XXXX from XXXX. Upon returning home I saw that my checking account was {$12000.00} short due to XXXX transfers out of my account ( XXXX for {$7000.00} and XXXX for {$5000.00} ). I did not authorize the transfers and immediately contacted my bank, Sun Trust. They opened a fraud investigation, I signed paperwork, and they stated that I should have the funds replaced within 10 days. Two weeks later I checked my account. The {$5000.00} was replaced but the {$7000.00} was still missing. I went to the branch. They said the {$7000.00} had been put in the account but was transferred out again, another case of fraud. Said they would expedite and I should receive the funds within 24 - 48 hours. After another week I check again and still no {$7000.00}. Now it has been over 20 days since funds were fraudulently taken from my account. Go into the branch and representative calls the fraud department who says they have to open a new fraud case and it will be another 10 days before the money is put in my account. Assuming it gets done again, and the money is n't immediately stolen ( why ca n't they put a flag on the account and not allow any debits?? ), it will be over 30 days that the {$7000.00} has been gone. i have attempted to escalate this but get no where. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely effective measures to prevent and address fraud on their platform leaving my platform, vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the electronic fund transfer act and resolution E. These actions caused significant inconvenience and financial loss, I seek appropriate redress for these violations
Product: Student loan

I just made a payment on XX/XX/2023. I was told that the {$300.00} payment would bring my loans current. Navient has been calling me nonstop before and even after I made the payment. I explained that I am not able to afford a monthly payment of {$600.00} or more. They are telling me that some of my loans qualify for a payment plan, but not all of the loans. They are not explaining why some qualify, but some dont. I answered the call today and explained to them that I currently have XXXX and XXXX  and I only answered because they keep calling all day nonstop. I asked if I could call them back in a few days because I am currently XXXX. The man continued to keep me on the phone and told me that they will continue calling me and will keep calling the co-borrower. I said ok. He refused to hang up, so I ended the call. I explained that I will keep making payments that I can afford. I just cant pay what they want me to pay in XXXX month. They are not willing to work with me and they constantly harass me and has been harassing me non stop for years. Its depressing. Im constantly making payments and they constantly make threats of reporting my late payments and then asking well can you pay {$30.00}? If I can pay {$30.00}, why cant they lower my monthly payments? They are harassing me and I want it to stop.
Product: Mortgage

Our home was destroyed by not one but two hurricanes in XXXX of 2020. We have provided all information loancare has asked for from us and our insurance company. We have done all inspections and they do not agree with our inspector and refuse to serve us remaining funds. We have had an open request for 67 days now and still no answer from them.
Product: Credit reporting or other personal consumer reports

Carrington Mortgage Services has misrepresented my payments as late when they were evaluating my Covid Forbearance. I had been in weekly contact with them asking for consistent updates and providing timeline information when requested. 
They, Have reported me as late and not honored the spirit of the Covid Forbearance for what it was intended. 

I would like the credit issue removed.
Product: Checking or savings account

Bank Of America discriminating and withholding changing accounts for me and neglecting to dispute unauthorized charges done electronically to my account months ago and have a police report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In XX/XX/XXXX I called my mortgage company ( Citi Mortgage ) and told them my sons dad left and id be down 1 income and wasn't going to be able to make my full house payment. at this time I wasn't behind at all. They told me no and in order to receive any help from them I would have to be behind in payments. So XX/XX/XXXX came and went. Now XX/XX/XXXX I applied for a modification. over the next year Citi did nothing but gave me the run around. I had to submit the same documents numerous times, they would close my application for no reason, I had turned in every document before the due dates, I have confirmation from them numerous times that all my paperwork was with underwriting, they switched homeowners specialist on me 3 times. And I have all documents, emails, mail that proves this. So finally comes XX/XX/XXXX and they come to me with a modification. Now the whole past year of them giving me the run around I now am behind {$10000.00} when it started I wasn't behind at all. So they tell me my new Making homes affordable modification is {$900.00} a month, no change to interest rate, and my loan gets pushed back to 30yrs. My original payment that I couldn't afford was {$850.00}. If they would had done this within 90 days since I did my part then I wouldn't had gotten behind. So then I asked them what if I pay {$6000.00} then will that lower my payment they wouldn't accept it. They did this on purpose and have been taken to court and lost for doing this to others. PLEASE HELP ME
Product: Credit card

I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.
Product: Mortgage

We have had several issues with Cendera Funding throughout our mortgage process. The fees associated with the loan are in dispute because according to a VA loan certain fees are unallowable if the lender charges 1 % origination fee but the loan officer tried to add them in saying that the seller has to pay them. We have not received any copies of our signed paperwork 25 days after signing them ( fee sheet, GFE, TIL, etc ... ). I even went to their corporate office and spoke to XXXX XXXX, my wife talked to XXXX XXXX at this same time ( Senior VP ), and this only escalated the rudeness and hostility from the loan officer. When asking questions and highlighting things that are questionable fees ( I only received a fee sheet after going to the corporate office ) I do not expect the company to make the situation more hostile. The executive my wife talked to said the fees were only estimates and I would find out the true costs in the HUD-1. This is deceptive because at the time you see the HUD-1 you have no time left to rebut them without delaying the buying a process. In addition they have failed to update the VA with information during the appraisal process which is now pushing the loans past the closing date ( we can not get the lender to give us any information about it and the VA has n't gotten a response from the lender in over a week since their last request ). The loan officer failed to lock in the rate for the loan and it increased over that 2 week period. Since we complained about the fees we have only been brushed off by the company and talking to them only makes the situation worse. I assume they are trying to tank the loan process so they can still receive the application fees while not having to fulfill the loan after the complaints. If we lose the house because of delays we will lose about {$3000.00} in fees. Every day past XXXX XXXX is costing us to store household goods and temporary living expenses until we can find a permanent residence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Zelle was letting me send money without confirming that was the person
Product: Vehicle loan or lease

Payments were improperly applied to fees that offer no description of what the fees are outside of " misc ''. All fees pertinent to mandatory disclosure such as late payments, bank reversal are identified. However large payments were made and applied to " misc fees '' that have no description or nature. This is in line with the predatory practices identified in the State of FL vs. Santander. I conveniently wasn't notified of my eligibility to participate as a Fl resident. This violates FCRA, Truth-in Lending since other service fees were attached and Consumer protection laws. The actions were post lawsuit agreements, thus willful and deceptive.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I noticed errors Ive never seen before, and I have no idea how this happened. Ive been meticulous about reviewing my credit, and this is completely unexpected. I tried refreshing the page, thinking it might be a browser issue, but the discrepancies stayed the same. Im at my wits end and am begging for the documents Ive sent to be reviewed thoroughly so I can finally have some peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Mortgage

We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3rd set of letters to XXXX, Equifax and XXXX at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX XXXX  to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply
Product: Debt collection

ABR recovery Services continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) XXXX credit cards ever. Both were charged off in XXXX and XXXX. ABR continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although ABR Recovery services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking ABR to stop reporting the account # XXXX. They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute ABR Recovery Services on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including XXXX into this complaint. Because ABR continues to say these are different accounts. The account numbers do not match up because ABR and XXXX use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from XXXX : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with XXXX, the original creditor. I NEED XXXX IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.
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 m account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I have received received multiple phone calls during work hours. I also received multiple letters from this company. This is a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting calls from Bank of America. I do not know why they are calling. 
I do not have a loan or an account of any kind with Bank of America. 

Phone calls on my cell phone. XX/XX/2019 # XXXX a recorded message. 
This is Bank of America and this is XXXX voice department then someone speaks in XXXX. 
I hang up and try to block the number. They call back on another number. 
XX/XX/2019 XXXX & XXXX. 
I tried to call local Bank of America and because I did not have an I couldn't talked to anyone. By the way, calls vary XXXX, noon to XXXX.
Product: Debt collection

The First National Bank of Omaha ( FNBO ) charged me with a debt that I did not incur for an account that I did not own, nor subscribe to, nor recognize. I don't know what dates I am accused of incurring alleged debt, but FNBO secured a judgment against me in the amount of approximately {$7600.00}. I was unaware of the judgement against until approximately 1 year after the fact that judgment was rendered, and I coincidently discovered judgment when in process of filing for home renovation. I now in the process of actively contesting said judgment. In the meantime, I am filing this complaint in an attempt to exonerate me from this Credit Fraud. Your assistance in resolving this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX # XXXX
Product: Debt collection

Debt validation and verification letter confirming details of debt, Legal ownership of debt including original contract and all payments. 
If this can not be provided in 30 days, you are to cease and desist all communication ( written and verbal ), you are to remove unlawful reported collection from all 3 credit agencies or I will continue with litigation pursuant to US federal codes 15 USC 1692 ( c ). Furthermore, continuing to report this to the 3 credit agencies is a violation of my cease and desist. Failure to comply moth the cease and desist is also a violation of the FDCPA and will result in further legal action. You are to remove this unlawful reporting form all 3 credit agencies or you force legal action for every phone call, every letter and every single month you have unlawfully reported and each count for each credit agency
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  BALANCED {$800.00} XXXX XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$540.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$3100.00} XXXX XXXXXXXX BALANCED {$2100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$220.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit card or prepaid card

The below info relates to CITI Bank ; Date : XX/XX/2019 * Issue : Credit Card Payment Allocation Methodology. 

- The bank is allocating the payment funds to the lowest APR segment instead of the highest APR segment so that they can maximize their profits. Further, the bank is not giving the option to the customer to decide where to allocate the payment funds ( which should go to the highest APR segment by default ) so that the customer is able to first liquidate the segment with the highest APR rate, and thus, save money on interest fees.