23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On the Experian web side it said u can check your credit score for $ XXXX for one week free try they charge me {$21.00} and subscribe me before the end of the free try I called on three way call with my bank to have a refund they refuse, and I asked to cancelled the subscription
Product: Payday loan, title loan, or personal loan

I had spoken with the company in XXXX and we had a verbal agreement in which I was told I would be eligible for covid relief for XXXX, XXXX, and XXXX with payments restarting in XXXX. I was also told multiple times I would be sent documents to sign but never received them over the course of the covid relief period. I followed up with the company on the progress of the documents being sent to me multiple times and was always assured they would be sent to me yet never received them. While all this was going, I was told to ignore and disregard their automated calls about making my payments and I was assured I would be fine because of the covid relief program. I reached out to the company earlier this month to find out when my payment due date would be and when payments would resume and to my surprise I was told my account is now in collections and theres nothing they can do for me! Unethical practices to the fullest! I am so extremely frustrated because I never wanted a negative account on my credit and I was absolutely lied to about what I was apparently eligible for. Please help!
Product: Money transfer, virtual currency, or money service

Filing a complaint against Cash App ( Block Inc. ) due to in adequate customer services and unfair practices, that violate CFPA ( Consumer Financial Protection Act ). Cash App failed to take measures preventing and addressing fraud leaving my account unprotected and vulnerable. The dispute resolving process was not only unfair and deceptive as they did not comply with error resolution requirements under EFTA ( Electronic Fraud Transfer Act ). I did not only take a significant of inconveniences and financial loss but had to go back and forth with Cash app regarding these issues but they seemed to have not address much of solutions.
Product: Bank account or service

I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the bank of America has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to delete the following information on my file. The items i ask to be deleted are listed in the report. I am a victim of identity theft & did not make the charge. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

This is the THIRD complaint I am writing regarding this joke of a company. We applied for XXXX back in XXXX and in the beginning of XXXX they requested verification from this mortgage company. They have yet to receive verification and if it is not received soon we will be declined assistance BECAUSE OF THIS COMPANY.
Product: Student loan

I have 2 separate lenders- XXXX and Navient. I was having trouble paying XXXX and Navient was still in the grace period this Spring ( 2019 ). I completed the income-based repayment request. XXXX lowered my payment. Navient determined that I can pay over $ XXXX. They are refusing to work with me for a payment option that works and are instead happy to help me go into forbearance and accrue more interest or simply default. This should be illegal- I want to pay them, but I also can not afford the amount they are proposing. I am not going to financially ruin my family to pay this back- that was not the point of going back to school. I am getting nowhere with the representatives at Navient.
Product: Mortgage

I need your assistance in protecting me, and my clients from harmful conduct that conflicts with me and my clients basic expectations, created by Loan Officer XXXX XXXX XXXX XXXXXXXXXXXX NMLS : XXXX Phone : XXXX, as it relates to how my clients and I have been treated. Please help me/us to ensure that bad actors such as him and City Worth can not use deceit and fraud to drag the rest of  the market down to their level? 

Who Am I? : I am a Realtor at a real estate Firm which represents both Buyer and Seller in a transaction in which the aforementioned loan officer provides services to the Buyers. I am the Listing Agent, representing the seller. 

What Did He Do Wrong : 1. On XXXX/XXXX/XXXX, XXXX XXXX, willfully and intentionally deceived me and my sellers regarding a {$150.00} VA Appraiser Re-Inspection Fee, a Buyer 's Expense, by stating that the Buyer 's  loan would not be underwritten/approved to close on time, XXXX/XXXX/XXXX, per the Sales Contract, if the seller does not pay the re-inspection fee. The Sellers regretfully paid the {$150.00} fee, after I gave my sellers XXXX 's number, and XXXX spoke to them. XXXX disclosed to them at this time that the loan was moving along per the Sales Contract, and that we would close the loan on time.

2. On XXXX/XXXX/XXXX, I receive a phone call from XXXX XXXX requesting that my Sellers sign an Addendum to Sales Contract requesting that his company 's underwriting department provide conditional loan approval by XXXX/XXXX/XXXX. This is when I and my seller both new that we had been deceived by this bad actor.The seller refused to sign this Addendum stating a lack of trust and confidence in XXXX and his company 's ability to close this loan due to XXXX 's previous unethical and fraudulent communications. 

3. On XXXX/XXXX/XXXX, I and receive an email from XXXX XXXX, via the Realtor representing the Buyers, showing full proof that the loan had been through XXXX XXXX XXXX underwriting department, and had been conditionally approved, which I forwarded to my sellers. 

4. On XXXX/XXXX/XXXX, I received a text message from my Buyers who I introduced to XXXX XXXX after XXXX XXXX reached out to me shortly after the aforementioned Sales Contract was executed. Approximately XXXX today, I receive a text from my Buyer 's wife stating : ( XXXX XXXX is trying to get my husband another Realtor, and that her husband was told that things were going rough between XXXX and I. ) This is a form of loan fraud, general fraud, and deception to say the least... and this type of bad actor should not be allowed to go un-checked in this industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017, I filed a dispute with TransUnion to investigate information reported by XXXX. XXXX has refused to remove delinquent payments on my credit report, as XXXX agreed to remove the delinquent payments as outlined in a signed Repayment Agreement under the Loan Rehabilitation Program. I completed all of the requirements of a Loan Rehabilitation Program with the debt collector, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, regarding XXXX- USA Funds, XXXX Account # XXXX. XXXX and its representatives indicated that delinquent payments previously reported were deleted from the credit file of national credit bureaus after I completed all the requirements of the Loan Rehabilitation Program and transferred to the new lender. I signed the Repayment Agreement under the Loan Rehabilitation Program ; signed the Borrower Acknowledgement Form ; and completed the rehabilitation program. XXXX refuses to adhere to the terms and conditions of the agreement, as XXXX did not contact the national credit bureaus and notify the credit bureaus to delete derogatory credit rating previously reported by the guarantor in reference to the loan ( paragraph 3, line 4 ).
Product: Mortgage

I wanted my escrow payments removed from my account. I was denied twice and finally received an answer that it is because I had a deferred payment put on the back end years ago. I explained to the company that # 1, I was never told that this would hinder me controlling my own escrow, nor did I sign anything stating this, and # 2 I would be happy to pay that deferred payment back, right now. I have never missed a payment and have a outstanding credit report. I've tried to speak with a higher up manager, only to be denied. It is not right that the mortgage company is holding more money that is owed every year. I would like to be responsible for paying my own taxes.
Product: Bank account or service

A wire was initiated by myself to a customer at Bank of America on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Bank of America, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Bank of America is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Bank of America multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Bank of America have been returned to me. Bank of America has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.
Product: Credit reporting or other personal consumer reports

I am sending this complaint as a follow-up regarding the issue of fraudulent items listed below, which are still appearing on my credit report in violation of federal law. This follows my previous complaint dated XX/XX/2024. I appreciate that some fraudulent items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that some fraudulent items remain, particularly with the XXXX credit bureau. Please remove all the fraudulent items from my file. According to the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove the listed items in the ID Theft report within the legally mandated time frame. The continued reporting of untruthful information is now affecting my credit. Below is a summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed XXXX {$1200.00} ; XXXXXXXX XXXX XXXX Balance {$17000.00} ; XXXX  XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CB XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute of Alleged Charged Off Account XXXX which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by their company on XX/XX/2021. 
I am yet to receive a response from them, yet this alleged charged off item is still on my credit report I demand you to delete it immediately from all credit reporting agencies
Product: Credit card

They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

FAIR COLLECTIONS & OUT - XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Report I am filing this formal complaint against JPMorgan Chase ( Chase ), for inaccurate credit reporting, that have negatively impacted my credit score. 
In XX/XX/XXXX, Chase charged off my credit card account, reporting a balance of {$16000.00} while classifying it as a Profit and Loss Write-Off. This suggests that Chase wrote off the debt and potentially claimed a tax benefit. However, they continue to report the balance as owed on my credit report. I contacted Chase in XX/XX/XXXX, requesting documentation on the debt. They referred me back to the collection company. I also requested a 1099-C Cancellation of Debt form, as required by the IRS for canceled debts over {$600.00}. Chase refused to provide any clear information on the matter, leaving me without proper documentation to confirm the status of the debt. 

I kindly and respectfully request that the CFPB intervene and require Chase, to provide proper documentation on the charge-offs. I further request that these creditors issue 1099-C forms for any canceled debts as required by IRS regulations XXXX ensuring that my tax records accurately reflect the status of these accounts. Additionally, I request that my credit report be corrected to reflect accurate balances, with necessary removals or updates made to ensure fair reporting. 
This incorrect reporting on my credit report has negatively affected my creditworthiness and financial opportunities. I kindly request CFPB intervention to ensure compliance with fair credit reporting laws and to rectify these ongoing issues. 

Thank you so much
Product: Vehicle loan or lease

FINAL CONSENT JUDGMENT-This proved negligence and liability on behalf of Santander Consumer USA to those consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. It proved allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. In addition to paying {$550.00} million, the bank has also agreed to factor the borrowers ability to repay loans into their underwriting.
Product: Credit reporting or other personal consumer reports

IfXX/XX/XXXX does not own my debt anymore, like they stated in the previous response. I asked for it to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

ATTN : XXXX, XXXX. XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX RE : XXXX XXXX XXXX XXXX Notice to Cease & Desist. To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I just received the highest credit score ( XXXX ) ever report by TRANSUNION on XXXX XXXX, XXXX. It also showed the number of inquires as XXXX. Credit report of XXXX XXXX, XXXX showed a score of ( XXXX ) and only XXXX inquiry. Why has TRANSUNION removed inquiries and turn around and re-enter. 
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report. Confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand. 
TRANSUNION stated that these Adverse Key Factors will not be deleted from my credit report. I find TRANSUNIONS action totally absurd and completely inaccurate. 
TRANSUNION appear to categorize accounts under specific Key Factors, without specifying any account/s Customer being unable to determine what accounts are categorized under any reported adverse key factors affecting ones credit scores.has no chose but to dispute these adverse key factors. For example TRANSUNION reports delinquent accounts ( adverse key factor ) to creditors. who in turn forwards to customer. recommending to review credit files.Upon reviewing credit files, you find no delinquent accounts.If you find no delinquent accounts and TRANSUNION does not specify any account, then TRANSUNION is reporting incorrect data. Research has revealed that TRANSUNION did not provide sufficient data to support these adverse key factors and must remove these adverse key factors. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported XX/XX/XXXX. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
TRANSUNION stated that the customer must confirm that the credit information on your report is accurate. These Adverse Key Factors not being deleted from credit reports are totally inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

RENTAL PROPERTY XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Mortgage

The lender initiated foreclosure within the early intervention period in violation of Regulation  X, 12 C.F.R. 1024.41 ( f ). The lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The lender was also sent a QWR ( Qualified Written request ) for a comple te loan history on  XXXX / XXXX / 2017
Product: Credit card or prepaid card

In approximately XX/XX/XXXX, I opened a credit card account with Synchrony Bank to cover sewer repairs for my home. After being notified that I had been approved, I never received any further communication from Synchrony. 

Approximately XX/XX/XXXX, I received a call from a representative from Synchrony saying that the first payment was due and I could pay online. I had to be notified by phone because I never received a statement nor credit card. 

Since XX/XX/XXXX, I was making my payments online, with no further communication with Synchrony. When I paid my bill on XX/XX/XXXX, I noticed that the balance had doubled from {$4000.00} to over {$8000.00}. When I called to inquire why, I was told the interest had been added to the account because the promotional interest rate had expired. 

My issue is... I never received any communication from the company ; never received a statement nor a credit card since taking out the loan. Had I received any statements from the company, I would have known the promotion was expiring, and based on my excellent credit rating, I would have transferred the loan to a personal loan and not accrued the over {$4000.00} interest that negated all the payments made for 1.5 years that lowered the remaining balance to half of the loan amount. 

When I called on XX/XX/XXXX and was connected to a manager, I was told I had activated a card that I have never, to this day, received and that I enrolled in electronic statements, which I did not and also have never received by email. Based on the fact that I would have had to activate both the card and electronic statements, and I did not, it should not be hard to prove that I did not activate nor receive the statements nor credit card. When I expressed this to the manager and informed him that, if calls are recorded, as they claim, their should be proof that I did not call to activate a card. Additionally, there should be a record of the initial call that I received to be informed that the first payment was due because I never received a statement to inform me. When I relayed this to the manager, he hung up on me. 

I called back and tried to speak to a different manager who told me the same thing -- that I had activated both actions -- upon which time I informed him I would be filing a complaint with the Consumer Financial Protection Bureau. 

I simply want the interest charge reversed, at which time I can transfer the loan to a personal loan and be done with Synchrony Bank.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. The realization that such inaccuracies could jeopardize my financial standing is deeply distressingXX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX I XXXX Balance : {$2000.00} XXXXXX/XX/XXXXXXXX Balance : {$10000.00} XXXX FCU XXXX XXXX : {$3400.00} XXXXXX/XX/XXXX XXXX Balance : {$1300.00} XXXXXX/XX/XXXXOriginal Creditor : XXXX XX/XX/XXXX XXXX A XXXX Balance : {$430.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX Bankruptcy Court of Virginia docted bankruptcy XXXX XXXX. XXXX XXXX was violated by Truist bank auto department XXXX XX/XX/2023. When I woke up, i found out they stole my car without due process or without court order. It ruin my life and my family. This is violation to federal statute. 

XXXX ( Truist auto account ). 

XXXX XXXX XXXX in Virginia XXXX holding my car property
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  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX