23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Yesterday XXXX XXXX, XXXX, I advised XXXX XXXX our agent with VanDyk Mortgage that I wanted to change lenders because issues after issues have arose during the closing process and the sellers became frustrated with the lender. XXXX XXXX told my real estate broker, XXXX XXXX that he would speak with is boss about the situation. 

Today XXXX XXXX, XXXX my broker called XXXX XXXX and XXXX XXXX told my broker to call his boss XXXX XXXX. My broker advised XXXX that I XXXX XXXX ( the borrower ) would like to transfer to another mortgage company and that I want our file sent to us via email so that we then can forward OUR legal information to the new lender. ( which was the same initial request that I requested from XXXX XXXX ) XXXX XXXX proceeded to argue with my broker stating " You want us to do a courtesy? '' and, " I 'm not bound by any agreement to release any information given to us by the borrower back to them or anybody. '' As well as, " The borrowers have the originals they can resubmit them to the new lender. '' After my broker stressed that getting the paperwork together again would take time and may be a problem that we need the bulk file of all the paperwork we 've submitted to VanDyk Mortgage, XXXX continued to argue with the my broker at which time my broker ended the call. 

I figured it is illegal for a company to refuse to release any legal documents that are mine back to me.
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 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 redres for these violations.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report, I noticed Advantage Financial Services reported that I was 30 days late for payment on XX/XX/year> According to Law for a late payment. 
15 USC 1666b ( a ) Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was not informed by mail or email and would like the late payment reported to credit agencies from XXXX and XX/XX/year> to be removed from XXXX credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. 2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. 3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure. 4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies. 5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes. 6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

This company is placing false and erroneous information on my credit report. Previous to them another company attempted the same thing. There seems to be a pattern to this and they are trying to get money fraudulently.
Product: Mortgage

I filed bankcruptcy XX/XX/XXXX. It was discharged XX/XX/XXXX. I had a loan modification done with my previous loan servicer before they sell the loan to Ocwen loan and it was approved by the backcruptsy court. Now the new servicer Owen loan is not enforcing the loan modification as they are claiming post-petition arrears even all my payments have made timely. They were claiming my 3 months trial payments were not received as well as the signed modification documents. I have sent all the documents and my payments were all went to the bankcruptsy trustees. Now they are claiming that I owe them {$66.00}, XXXX as a post petition interest. I total disagree and this is just plain wrong doing. I am OK for you to share this letter with other people as it maybe happening this problem to others.
Product: Student loan

I have made extra monthly payments to my Federal XXXX for the past few years since XX/XX/2014 and have recently went through all of my statements and realized the extra monthly payments are not being applied to the principal balance of my loan. 
In turn, I am paying more in interest and my balance is not decreasing accordingly.
Product: Credit reporting

i keep getting letters saying i have folcosure I went to apply for credit with XXXX. I was denied because my Equifax credit report is showing that I have a foreclosure and garnishment and that is not mine. I have never had a foreclosure on my home or garnishment of my wages either.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The below account has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX { {$310000.00} ) } XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion Communication on behalf of a collections account that is in dispute on XX/XX/2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX. 

I have sent them multiple communications and have yet to receive anything from them, however Transunion seems to have been able to verify this information. 

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe. 

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I was assaulted and Discriminated against when I went into refinance my loan. On Friday XX/XX/year> I went into Sun Loan Company in XXXX Missouri to refinance my loan and I was greeted by XXXX XXXX who gripped my hand very tight once she realized who I was. She told me that if she was going to refinance my loan that I needed to make my payments on time because she's tired of chasing me down. She then proceeded to tell me that I only came into the office because " you just want the money ''. She then stated that, that's why she called me into the office to humiliate me, which is what she did the entire time. I told XXXX the customer is always right and can she chill out, she then told me that I needed to chill out, she is talking so loud that her other coworkers are now listening in by the way. I told her that my husband is a Pastor and that there is a certain way that you talk to people, XXXX told me that she know who my husband is and since I'm a Pastor 's wife I need to be making sure my payments are made on time. I told her she should have asked me what's been going on in these past 2 years that has caused me to get behind instead of yelling at me, I told her I had XXXX kids ( my 7 month old was in the office with me ) in the past 2 years. She then continued to yell at me about how I didn't call the office and let them know about me having children, I told her she is being very disrespectful and rude, she kept her same nasty tone, and now my hand has been hurting off and on daily. Mentally I am broken. She also contacted a co worker outside of work hours to further discuss me and my personal business. This has to be stalking at some point.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my student loan account. As of XXXX XXXX, 2024, my student loans were officially discharged, yet there seems to be a discrepancy in the reporting of this discharge on my account. 

Despite the discharge date passing, my account still reflects an outstanding balance, which is incorrect and misleading. This discrepancy not only undermines the accuracy of my financial records but also poses a significant threat to my creditworthiness. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that information provided to credit reporting agencies must be accurate and up-to-date. It is my understanding that the FCRA prohibits the reporting of inaccurate or obsolete information, such as a student loan balance that has been discharged. 

This erroneous reporting not only affects my financial standing but also violates consumer protection laws designed to ensure fair and accurate reporting of credit information. I believe this is a clear violation of the FCRA, and I urge the Consumer Financial Protection Bureau to investigate this matter promptly. 

I request they rectify this error immediately by updating my account to reflect the discharged status of my student loans and ensure that accurate information is reported to all relevant credit reporting agencies. Additionally, I seek appropriate restitution for any damages incurred as a result of this inaccurate reporting. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure compliance with consumer protection laws. I have attached the document showing my student loans being discharged. 

Below I have listed the account names and account numbers that I am complaining about : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection agency gave information to a family member that is not on the account in question. Also after I advised to stop calling me they continued to call in a harassingly manner sometime 5-6 times a day.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I contacted PayPal customer service to report unauthorized charges linked to my credit card. 

This has been going on since XXXX  and I just decided to review my XXXX XXXX credit card ending in XXXX. 

I was told that PayPal would open and investigation. 

Then I called today and was told since the fraud charges were beyond 180 days their was nonthing going to be done. 

Then PayPal emails someone was changing the disputes from unauthorized fraud charges to items not received. 

I asked why was I seeing these emails and they said they have no idea.
Product: Mortgage

During the buying process I was encouraged to use a lender provided by my real estate agent. I was put in contact with Fulton Bank. I was very clear that my current loan approval did not have any PMI associated. I was verbally promised that if I used Fulton I would get the same deal with a lower APR for the mortgage. At the last minute, right before closing, my disclosures all had PMI. I was way too far into the process at that point to switch back to the original lender that I wanted to use in the first place.

I am now over 3 years into repayment and Fulton continues to refuse to remove PMI even with an appraisal showing loan to value of 60 %. This is unfair, deceptive and causing me to waste over a XXXX dollars every year.
Product: Credit card or prepaid card

I was told I was approved for a Chase XXXX business card over a week ago. I was told I would receive the card in 3-5 business days. Im being charged a substantial annual fee for a card that I dont have.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so I'm puzzled by an error in my credit report. 
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely
Product: Checking or savings account

This Navy Federal Credit Union is wrongfully frozen my account that I have XXXX in funds deposited in very unacceptable
Product: Mortgage

I tried to ask for help with my lender but my lender said there is no available option for me to save my home. I even asked FHA Covid Partial Claim and even said I am not also eligible for it. Tried submitting an application for loss mitigation and they also denied me. It seems that my lender does not want to help me at all and want to push foreclosing my home.
Product: Credit card or prepaid card

I had an account on the online shopping store " XXXX XXXX  In this account I had my credit card information saved for faster checkout. On XX/XX/2021 at XXXX I received an email that I had placed an order on the site for a product. Within 1 minute, I received 3 more emails stating I had ordered the same product. A total of four open orders that I did not initiate. The supposed seller then marked each one as shipped within another minute or so to make it impossible to cancel the orders. I was able to cancel one order before the seller marked it shipped leaving 3 orders for the same product that I didn't create. I contacted the website first but they suggested doing a chargeback through my credit card. My card was immediately cancelled and an investigation took place. The investigation said I the transactions were not fraud, which I disputed. I sent documents showing that multiple of the orders used the same tracking number. On the invoices of each order it showed my home address that I had attached to my account, but the tracking numbers showed delivered to a completely different state. The destination not matching the order address should alone be enough to investigate. The website has now frozen the orders from this fraudulent seller as they have realized it was not accurate. Chase still has me as responsible for the orders even though I provided plenty of evidence that the orders were not possible to be filed by me and no packages were ever sent for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted several breaches, including the XXXX data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.
Product: Payday loan, title loan, or personal loan

I have been trying to get a hold of someone at Fig loans to try and fix my credit report. I called several times and got hang up on. I finally sent an email and I still havent heard back yet. Its impossible to get someone on the phone with this company. Everything is done online but when you have an issue you cant get someone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation
Product: Mortgage

Bank of America put me in foreclosure says I owe {$9000.00}. After finally receiving the first 6 years loan history payments they did not pay my principal payments for the first five yearsyears, the promissory note reflects 7.130 interest rate at {$490.00} paymentspayment each month for 15 years. we received monthly statements in 99 that stated that we were only supposed to be charged {$9.00} per day for interest the interest rate of 7.130 comes out to {$10.00} a day then if you figure {$9.00} per day the interest rate should be 6.5. if you amortize 7.130 + interest your payment should be {$490.00}. We were overcharged on interest along with late fees and there 's are several payments that are not on the payment history they also applied to much to interest for multiple years breaking the usery lawlaw. This is a breach of contract and they have ruinedvour credit for years we want our money back timed XXXX compensated for credit damage and our title to our house cleaned there are many more servicing issues along with this but way to much to include.
Product: Student loan

I can not separate my spousal consolidation loan from my husband to take advantage of XXXX.
Product: Debt collection

UPON APPLYING FOR CREDIT, WAS DENIED BECAUSE OF AN UNKNOWN DEBT .CREDIT REPORT SHOWAS A NEGARTIVE UNCOLLECTED BY : CREDIT COLLECTION SERVICE  XXXX   XXXX   XXXX   XXXX  MA  XXXX  FOR A DEBT FROM  XXXX  NEVER CONTACTED BY ANYONE SO I HAVE NO KNOWLEDGE AS TO WHAT THIS IS.THERE HAS BEEN A PROBLEM IN THE PAST WITH ANOTHER  XXXX   XXXX  ON  XXXX  IN  XXXX   XXXX  CA.
Product: Debt collection

I checked my credit report & noticed XXXX XXXX XXXX debt collection in the amount of XXXX, I have never lived there nor XXXX XXXX XXXX. I have been identity theft & want to report Fraud