23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Had a loan with   XXXX   and it was sold to  Bayview Loan Servicing . My final payment with  XXXX  was drafted on n    X/XX/2017 . I d id receive notice that Bayview would take over the loan. That is when things became a problem. I never authorized Bayview to do an electronic draft from my checking account. My final electronic check from  XXXX  on   X/XX/2017   indicates authorized by your depositor and the unauthorize draft from  Bayview in dicates authorized by drawer.     This would not have been a problem if Bayview would have informed me that they intended to use same drafting information from  XXXX . Trying to keep my good payment history I went into Bayviews website on  XXXX   XXXX ,  2017 a nd submitted an electronic payment for my first and worse payment experience with Bayview. Not until after the payment was submitted did I realize that the electronic payment from  XXXX  may move and this could cause my good deed to turn into a nightmare.     On Monday,  XXXX   XXXX ,  2017 I cont act Bayview and enquired about the payment. The agent instructed me to stop the payment at my bank. The same day went my bank and was told that the transfer is immediate and can not be reversed.   XXXX   on the same day contacted  Bayview  again and was told 21 days to get a refund. Told the agent that was not acceptable and placed in escalation. Was instructed by escalation department to fax the documents showing double payment and they would overnight my refund check.     The items did not show up on my account until   X/X/17     on the same day returned the fax with all the requested documents and even call. Was told then that my check should be in before Friday. Friday came no check in the mail. Call again on   X/X/17     and was told the check was processed and should have it soon.   X/XX/17   still no check.     Making two payment has created an extreme hardship on me and my family not to mention getting the run around from Bayview.     Surely something is wrong with this picture. I need help.     Thanks
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am XXXX and have an account at PNC Bank. I didn't choose this bank, but BBVA Bank migrated my checking and mortgage accounts. 

In XXXX of this year, I sold my residence in Florida and I am sending money from PNC Bank XXXX XXXX XXXX in XXXX. Out of the XXXX transactions I made, I succeeded only in the first XXXX. For the second one, I requested a refund to my account, and for the last XXXX XXXX and XXXX XXXX, I have been relentlessly trying to resolve the PNC Bank 's error. 

I have a joint account with my brother, who doesn't have a login or password and has never accessed the bank. I take care of the finances, and only I have access. For the last XXXX transactions, I requested the transfer in my name as the sender to my account in XXXX ( XXXX ). The simple receipt from PNC Bank states that I am the sender. However, at the time of the transaction, the document that arrives in XXXX shows my brother 's name as the sender. This prevents me from converting dollars to XXXX under the same ownership. To receive this money, I would have to declare it as a gift from my brother to me. This is not correct and would imply more taxes. So, the foreign exchange department of the bank in XXXX asked me to request a " XXXX XXXX '' amendment from PNC Bank. This is a simple document that would solve my problem. 

I have been asking the bank for help since XX/XX/XXXX. In fact, I pleaded for help because I need this money to pay for XXXX. What I received was XXXX email per day, just stalling, asking XXXX question per day. Today, they responded that they unfortunately can't help me. I just need them to please send a document stating that I was the sender. Could you please intervene on my behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status ) I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late years XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Product: Mortgage

I made correct and full mortgage payments to Freedom Mortgage for XX/XX/2018, and XX/XX/2018, a day apart. The XX/XX/2018 payment was 10 days in ADVANCE of the XXXX due date. I made clear this was a payment in advance and NOT to pay to principal. 

XXXX, Freedom Mortgage contacts me about a missing XXXX payment. I explained it was paid in advance, but the rep said it was returned for insufficient funds. My bank balance shows 1 ) the payment was NOT returned, 2 ) the funds were absolutely sufficient with tremendous excess, and 3 ) my bank did not charge me any fees for insufficient funds because no payments were returned. 

I took that opportunity to pay XX/XX/2018 and XX/XX/2018 payments again in ADVANCE because I didn't want to bothered until XXXX. Both those payments were withdrawn from my bank and credited to my mortgage. 

A few days later, I get another call from Freedom Mortgage demanding my XX/XX/2018. I have paid 4 ( FOUR ) months of mortgage in full and correct amounts for XXXX, XXXX, XXXX, and XXXX, and we aren't even past XX/XX/2018 yet. 

My bank provided me a letter from the branch manager on bank letterhead, dated XX/XX/2018, confirming all four payments were made and nothing was returned for insufficient funds. 

I provided several times the bank letter and a complete ledger of my bank history showing all the payments made and nothing returned. I made the XX/XX/2018 payment around XX/XX/2018, and Freedom Mortgage is demanding my XX/XX/2018 payment. The mortgage principal balance also shows no money accidentally went to principal. 

On XX/XX/2018, I gave Freedom Mortgage the ultimatum : they have all the information needed to determine that I made now 5 payments and the error is on their side for the missing payment, if this is error isn't corrected immediately, I will lodge disputes with all three credit bureaus and retain an attorney to drive this matter to conclusion in court. Freedom Mortgage said they are still investigating and would have an outcome by XX/XX/XXXX, that was in 2 more days. So I waited 2 days, and 2 days have passed. 

Today is XX/XX/2018, and I still don't have a resolution. Freedom Mortgage now says the new date is XX/XX/2018. That was the wrong response. Therefore, I have filed disputes with all 3 credit bureaus and provided the same supporting information to the bureaus. I have retained an attorney, and we'll see where that goes too.

I have been going back and forth with Freedom Mortgage for over four months about the XX/XX/2018 payment that they lost. They have billed me late charges. They have posted fraudulent lates against our credit at the credit bureaus. It's clear they lost my payment. Freedom Mortgage knows it's lost, and they can't figure out where it went. I have recorded all the phone calls with Freedom Mortgage, so that information is available to the attorney as well. While Freedom Mortgage is still trying to figure it, I am continuing to accrue late fees and continuing to get hit with false lates on my credit.
Product: Credit reporting or other personal consumer reports

I have been unable to view my current credit report since XX/XX/year> and Ive applied for credit and the banks said theirs an error pulling the reports. Ive called experian, mailed them letters and requests disputed online and they say its not their fault and i need to contact the lenders. My other 2 reports are fine with XXXX and transaction. I dont understand the problem I have called 36 times in the last 2 months and every time I either get hung up on or they say they fixed it give it 24 hours to update. Still doesnt work.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 
Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXX/ XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but CREDIT BUREAU has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 
I have requested copies of the contracts from the company in question, but after more than XXXX days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again.

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Product: Credit reporting or other personal consumer reports

15 u.s.c code 1681 requires consumer reporting agencies to be fair and equitable to consumers. My right have been violated by all of the reporting agencies and the companies reporting the incorrect and negative history on my profile. They have not responded to my letters in the 30 day window that they are required by law to respond to. XXXX, XXXX, experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry and XXXX XXXX XXXX are all in violation I have given no one consent to share my personal information. I request that these negative items be removed because they are inaccurate and they are affecting my credit and having a very negative inpact on my life.
Product: Payday loan, title loan, or personal loan

Applied for loan and was pre-approved for XXXX 12.99 APR 36mo loan. Was told that I just needed to submit bank statements and paystubs. Also asked for work phone number. Received phone call saying that they wanted phone number for HR. I explained that given the size of my company they will only do verification through a letter or theworknumber. They demanded a HR number which I had already explained they would not do verification over the phone to protect the privacy of employees. They insisted on the number which was supplied to HSBC. Subsequently they denied application after hard credit pull stating that employment could not be verified. This seems like discrimination given its not my fault my company is trying to protect my privacy and not advertise to anyone who calls that I work for the company. Additional they advertise the process as fast. This seems very manual to me. No other loan company has required anything beyond paystubs or a letter for employers to verify employment.
Product: Checking or savings account

Wells Fargo allowed a fraudulent collection firm to put a freeze on my wifes and I joint account. The debt was solely in my name and they should have not allowed a freeze on a joint account. I have been dealing with this since the beginning of XX/XX/XXXX. I had to retain an attorney and go to court on XX/XX/XXXX and even with my court order signed by the judge they still havent released our funds.
Product: Debt collection

I started receiving collection notices about 2 months ago after disputing for fraud. I sent my police reports. After contacting AmerAssist I was told my police report is too old and that my email was used. So it cant be deleted. In the police report it mentions my computer was stolen which contains my email and personal info. The debt is for {$1400.00}. This is identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account with XXXX, XXXX and Transunion on Two ( 2 )  different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and Transunion ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. Equifax, XXXX and XXXX has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea
Product: Checking or savings account

I took out cash from ATM on XX/XX/21 {$880.00} and cash suddenly got retracted back into the ATM, i did not get a chance to take my cash. 

i complained right away to bank teller they told me will take care of it right away, next day nothing happened so I complained again, they dragged this out asking for more time- for 3 weeks then they funded my account on a TEMPORARY basis. but then this week they suddenly reversed the transaction and took away my XXXX I went to the branch ( XXXX XXXX XXXX ( XXXX ) XXXX ) to plead my case but they simply told me there's nothing they can do and will not give me my XXXX
Product: Credit card or prepaid card

XXXX ... This number calls me 3 times on my cell and 3 times at my home. Capital One is the most annoying and most harassing company I've ever come across. Open account on XX/XX/2017. I've had XXXX XXXX on both. Water pipes bursting, car problems. Just behind on alot of bills. Explained my situation and they still call everyday. I know I owe them. I do not need a reminder everyday 6 times a day.
Product: Mortgage

XXXX XXXX company had my original loan for my property in XX/XX/2020. I have been paying them each month up until XX/XX/2020. Lakeview loan servicing notified me XXXX saying they had bought the loan from XXXX XX/XX/2020. Both companies claimed they owned the loan. Finally XX/XX/2020 XXXX said Lakeview owns the loan and will send over all payments they have received. It is now XX/XX/2020, Lakeview still has not received the payments and will be sending collection and report to Credit. I have sent Lakeview documents and statements of my payments to  XXXX. This has being going on for over a month and it will affect me negatively Credit wise
Product: Credit reporting or other personal consumer reports

There seems to be an unuthorized identity theft fraudulent activity on my equifax credit report as someone used my information to apply for the following credit cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am making a formal complaint against Franklin Service , Inc., XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX ( XXXX XXXX XXXX ). I paid Franklin Service {$260.00} on XX/XX/XXXX to settle my debit in full with XXXX. Franklin Service did not report my payment to XXXX for account #. On XX/XX/XXXX I paid XXXX ( XXXX XXXX XXXX ) additional {$130.00} on same account #. I have attached receipts.
Product: Credit card or prepaid card

Since almost the opening of my account I requested payments be allotted to non-promotional purchases before promotional purchase so I may make a greater effort to avoid accruing interest. Recently the credit card provider added a new kind of promotion that requires that type of payment first and changed the allotment of payments to equal pay first, expiring promos next, then non-promos for the remainder. I was NOT notified of this change that I was no longer able to designate how my payments were allotted, as I had SPECIFICALLY had done in the past. I made a payment last month that should have covered the non-promo balance and not incurred interest, but with the unknown change I ended up getting charged interest. It may be a small amount, but the principle of the matter is they made these changes without my knowledge, consent, or adequate explanation on the bill. The statements are confusing with all the different types of transactions now, and nowhere can one easily figure out how much needs to be paid to avoid an interest charge for the month. Neither a customer service rep or their manager were willing to at least waive the interest for one month to maintain customer satisfaction, and could or would not adjust my payment allotment to how it was previously.
Product: Student loan

Dear CFPB, I'm part of the XXXX XXXX XXXX XXXX and think that XXXX might have miscalculated the number of qualified payments I've made so far. 

I've been paying back my loans since XX/XX/2017 regularly and am on the income-based payment plan. My loans were consolidated by XXXX, and my employers are certified non-profit organizations. And I recently received an email stating that I have made 2 qualified payments and that I have 118 payments left. 

Can you help me? 

Thank you!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 Funds 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 blocked this company several times and they keep calling from different numbers.