23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX, I entered the atm at Citibank in XXXX XXXX and was a victim of bank fraud. Several people were waiting on line at the branch where my card information was stolen. Over twenty transactions occurred on my account and Citibank did not alert me to any of the big transactions that were going on. Citibank has refunded me most of my money that was stolen except for {$4800.00} that is still remaining, I've contacted them on several occasions and was just told it's still being investigated. This is an outraged considering that most of my money has already been refunded and they are holding this last amount. Can you please advise or assist me with this matter because I need my hardworking money as this is not fair to it's customers who trust banks with their money.
Product: Mortgage

PNC ( subordinate lien ) is countering the short sale to receive a full pay off based on exterior only value of the property. They are going off of a drive-by BPO value ( {$430000.00} ) which can back completely out of range of true fair market value. It is common knowledge that a drive-by BPO does not property asses the property value because interior defects are not taken into consideration. The first lien is being paid off in full and we are offering PNC a handsome net of {$70000.00} which they are denying because they are refusing to order an interior BPO to get true property value. Even with supporting documentation to support our offer amount of {$33000.00}.
Product: Debt collection

I have a perfect credit score, and I do not owe anyone any money. First Credit Services robocalls everyday at least twice. I have registered my phone # since XXXX and then again on XX/XX/XXXX. The calls are annoying and constant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX & Experian several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX AMOUNT - {$940.00} This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX. I disputed it immediately with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX  are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA 4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax : I have tried to place a freeze online and receive a response that I have to send a written request, with no explanation about why I can not do it online at their website. I have also twice signed up online for their free monitoring service and have not received the promised email to complete the process within the allotted 3 days. I called their number on their website for help and received only the " canned '' response in their public statements and no help in placing a freeze or getting the monitoring service. The agent had no access to my information! Some help!
Product: Credit card or prepaid card

I called in late XX/XX/XXXX to ask the representative if there was a hardship program where I could defer some payments or lower my monthly payments. I was told no by a young lady. A few weeks later, XX/XX/XXXX, I missed my monthly payment for {$350.00} due to financial hardship and inability to pay. A few days later, a young man from the company called and told me that there is a program for financial hardship and the lowest payment is {$150.00} per month. At the time, I did not think I could commit to pay that amount so I declined to set up a payment plan. He said I could call back if I changed my mind. I did call back a few days later and spoke to a young woman and who helped me set up a payment plan for {$150.00} per month to begin with an initial payment on XX/XX/2019. I received email confirmation of this payment plan with the terms and payment dates beginning XX/XX/XXXX. Every day since then, Ive received 3-5 calls per day from the representatives in debt collection telling me that I owe {$150.00} per month beginning XX/XX/XXXX. Im unable to do that and it is not what I agreed to. The representative I spoke to on XX/XX/XXXX, a young man, told me that my payment plan would be cancelled if I did not pay by XX/XX/XXXX. I refused to pay because that was not what I agreed to and he refused to let me send him the email confirmation to show him proof that I did schedule it for first payment on XX/XX/XXXX. That was yesterday. They have already called me 5 times, 3 of those being today between the hours of XXXXam- XXXXam. This to me is harassment! They are also calling from a blocked number. I am annoyed and fed up with their unfair practices and it does not seem right that they set up terms of payment plan that they now deny! Please help.
Product: Payday loan, title loan, or personal loan

Had several loans, very good standing. Trying to pay off loan early for several days but website doesn't allow access. Several phone calls... they transfer me to and then phone disconnects after XXXX minutes. No reply to my email either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Call regarding the updating of my account to the three major credit beaureaus. 

Called 3 times in XXXX  and again in XXXX and was told they already updated my account info to the credit company
Product: Money transfer, virtual currency, or money service

I was forced to open a Paypal account when I sold an item on XXXX. 
The money has been there since XX/XX/2020, over 21 days. When I try to transfer the money to my bank, Paypal 's response is that the transaction can not be done at this time. 

I tried to refund the monies to the buyer so the funds could be sent another way, and received the same response. I also tried to open a dispute, and the response was that I could not. 

Paypal is holding the funds. When you try to call them and speak to someone, they use the excuse that due to Covid 19, they are not working. Everyone state is going back to work. And these call centers workers can work from home. 
So there is no excuse that I can not get my money out of their digital wallet. 

Basically, I have not recourse at all except to file this complaint. The SEC needs to investigage this company. How can they keep my money for 21 days and not give it to me?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} - Charge off XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed
Product: Checking or savings account

XXXX XXXX Police and XXXX 's department has been mismanagement claiming to understand the ownership. The 2010 report clearly states money laundering assets of the Wells Fargo account holders number. Which claims to being no relationship to account holder. 

Wells Fargo Bank N.A. has also found officers trying to withhold inheritance action between United States Treasury Department and Wells Fargo including other banking Institutions FDIC and XXXX. 

Can you be ever so kind to verify this account as corporate accounts division of the account holder Wells Fargo. 

Signed : XXXX XXXX XXXX Claim Amount : XXXX XXXX yr Extension and Contracts Billings Call me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX says to be open in XXXX and thats false. Settlement accounts were promised to be removed in XXXX. Wrong address XXXX XXXX XXXX is an adress ive never lived at. They continue to uodate accounts that should have fallen off. I have had fraud on my account of which I reported. And they did not properly investigate. When asked dor signatures of mine, never was provided.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. You deleted only one account with XXXX XXXX XXXX XXXX XXXX, but left the one that is still showing late payments on my credit report. It continue to have a negative effect on my credit report. I have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX XXXX ). Please reinvestigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed completed from my credit report as well. This account was never updated correctly, all you did was closed the account. Thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to access my account to review my transactions and a message popped up saying " we can't display transactions right now. '' We're working to fix this. Please check back soon. After trying for six days I contacted customer service on XX/XX/XXXX. I was told this is a system problem and they would EXPEDITE it. I have contacted them numerous times since with the same response and NO RESULTS. Here it is almost a MONTH later with NO RESULTS.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having significant funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.
Product: Mortgage

On or around XX/XX/2021 we received a notification from the XXXX XXXX XXXX Tax Assessor that the school taxes due on XX/XX/XXXX were not paid by our mortgage company, Loan Depot. We emailed and called Loan Depot immediately to notify them, and attached the notice from the XXXX XXXX  XXXX as well to our email correspondence. Three weeks later, on XX/XX/XXXX, we checked our escrow account online with Loan Depot again and the taxes had not been paid. We then emailed again and received a response that Loan Depot would be paying the taxes. We again checked today, XX/XX/XXXX, and the taxes have still not been paid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 128 financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Debt collection

Since XXXX I've sent Medical Data Systems four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want these two accounts, XXXX, and XXXX deleted!
Product: Credit reporting

PLEASE NOTICE ITEMS # XXXX ON THE UPLOADED CFPB COMPLAINT REVIEW PDF. EXPERIAN DELETED THE NEGATIVE ITEM ... 
I 'm a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and Experian deleted it because the furnisher agreed with me. 

But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account.
Product: Credit reporting or other personal consumer reports

This evening, I discovered some inaccurate accounts on my credit report and I have no clue why they are there. I reviewed my credit report as I typically do, but this time there were unexpected discrepancies. I attempted to refresh my browser to see if it was just a glitch, but that did not resolve the issue. The inaccurate accounts remained even after refreshing the page. Therefore, I request a thorough review of the documents I've sent to prevent any future worries.
Product: Bank account or service

Bank of America manipulated the order of the transactions in order to charge overdraft fees. I checked my balance through the app and the website on Friday ( XXXX/XXXX/16 ) and Saturday ( XXXX/XXXX/16 ) and I had a positive balance in my account. I also received a transfer to my account on Saturday and at this point, my account still was in a positive balance. I check my balance on Monday ( XXXX/XXXX/16 ) and I found out that Bank of America charged XXXX overdraft fees on Friday. From these fees, there is XXXX that calls my attention ; I made payments to my Bank of America credit card on different days, but they process XXXX them on the same day so they can charged me more. In summary, they manipulated the order of the transactions so my account would look with not sufficient funds, when in relaity I had funds during the while weekend.
Product: Checking or savings account

My XXXX account was accessed by an unauthorized party from a XXXX  IP address on XXXX XXXX XXXX. They were granted access to my XXXX account and proceeded to charge 3 bank accounts a total of 14 times, with each charge being XXXX for a total of {$2700.00}. The person purchased XXXX points and credits for another game called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was charged 5 times, with them stopping 3 of the 5 charges and refunded all charges that went through. XXXX allowed 3 charges, but have since refunded the money after opening disputes. Current ( FDIC Insured through XXXX XXXX XXXX ) allowed all 6 charges to go through, and have since denied my charge disputes ( officially opened on XXXX XXXX XXXX  ) and the appeals on that decision. I provided sufficient evidence to prove that I did not place these charges, including a letter from my XXXX XXXX  stating I was at work in a XXXX XXXX where oXXXX XXXX  are not allowed at the time of the unauthorized account activity and charges. Current provided me the evidence they received from XXXX to prove that the charges were not fraudulent, but included questionable evidence, including an incorrect email used and IP details from XXXX that the charges were placed from XXXX. Not only this, when my XXXX account was accessed, the person changed the associated email address to a XXXX email and locked me out of account security features for 30 days. 

I also have IP address logs from the day of and days following the incident, showing IP address activity from multiple countries including XXXX and XXXX. This can be provided if necessary, as this may include personal information.
Product: Debt collection

I sent a letter certified mail to LVNV FUNDING LLC on XX/XX/2023 to ensure that this alleged debt is accurate and legitimate. LVNV FUNDING LLC received my letter certified mail on XX/XX/2023 ( green receipt attached below ). I demand LVNV FUNDING LLC respond immediately and send me copies of the : 1. cardholder agreement 2. documents that validate this alleged debt 3. all account statements I'm exercising my rights under the FDCPA
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a Citi Divident World Master card ending in XXXX for many years issued by Citi Bank XXXX XXXX SD XXXX for several years. Just recieved a letter saying it was closed due to inactivity. That is fine with me, but I had divident dollars they did not send me a check for that. I called the toll free # and spoke to a XXXX who said if the account is closed the divident $ is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 XXXX XXXX  violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.
Product: Credit reporting or other personal consumer reports

I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.
Product: Credit card

BANK OF AMERICA ASSOCIATE KEEP LIEING TO ME ABOUT A COULPE OF THING ONE IS I AM AN LLC AND I AM TRYING TO APPLY FOR A CRIDIT LINE OF {$50000.00} AND THEY TELL ME I DONT QUALIFY BECAUSE OF MY PERSONAL CRIDIT SCORE ANOTHER ISSUE I AM HAVING IS WITH MY OLINE ACCOUNT THE ORDER OF PAYMENT ARE MIXED AND NOT IN ORDER WITCH IS CONFUSING AND THE OTHER ISSUE I AM HAVING IS MONEY PAID TO THE CARD KEEPS CHANGING WITHOUT BEING SPENT.