23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.
Product: Credit card or prepaid card

There have been several charges made to the same merchant which we frequently do use, however in this instance none of these charges where authorized by us. I have tried contacting Barclays, but the are refusing to consider this fraud as they are stating the physical card was used. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX XXXX bank sold my mortgage to Nationstar Mortgage Company. In an attempt to be proactive, I called Nationstar and explained to them that after several unsuccessful attempts to do a Short Sale while my loan was with XXXX, that I wanted to do a Deed In Lieu. I thought by doing a Deed In Lieu I would be surrendering the property in a manner that was legal, correct and responsible, as opposed to just walking away abandoning the property and being a " irresponsible '' homeowner. After several looong months of getting the run around, sending in countless packets of Nationstar generated documents, along with my own financial records, bank statements and updated applications. In addition having to sit in a room with my ex husband for 45 minutes while we signed XXXX pieces of paper each and had them all notarized AND REVIEWED FOR ACCURACY AND PROPER COMPLETION BY MY ATTORNEY and HER ASSISTANT/NOTARY ... The Deed In Lieu was FINALLY executed on XXXX XXXX, XXXX ... .NINE MONTHS after I had begun the process!! I was relieved and felt very good about the fact that I had completed the process and surrendered the property in the manner of a proud homeowner. Now it is XXXX XXXX, and I received a phone call from a woman named XXXX stating she was with Nationstar Mortgage and that she needed my address so she could send a Notary to my residence to execute the Deed In Lieu Documents. i was very confused by this call because I thought the process was done and the property had already been sold. I told her that there was a mistake and the process had already been completed. 4 days later I received a mortgage Statement from Nationstar for all back payments since the date of default, they are also telling me I am still the legal owner of the property. I then proceeded to call the legal/escalations department at corporate. they told me the documents were not executed properly on their end and they are trying to get the problem fixed. I was supposed to get a call back on Friday XXXX XXXX. Needless to say I DID NOT get a call back on Friday, and had to call them back on Monday, with no resopnse. Then Tuesday, XXXX XXXX XXXX called AGAIN from customer Servcie in the Deed In Lieu Department, asking if I wanted to Proceed with the Deed In Lieu Process. I told her I was speaking with the escalation dept. and asked her to read the notes on the account. She informed me that there were no notes other than the notes from XXXX XXXX, when I called in about receiving the mortgage statement. So I called corporate AGAIN and spoke to the escalation dept. I was informed that they were still working on the issue to resolve it without the docs having to be re-executed. I asked why the account was not being notated, and he told me they were doing this " behind the scenes '' and they could not notate the account. Now I am sitting and waiting yet AGAIN ... I am at their mercy yet AGAIN! If I do have to re execute the docs, I do n't know how I will be able to, as I do not know the whereabouts of my ex husband, and if I did I 'm sure he would be unwilling to cooperate in signing the docs again!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

In XXXX of XXXX I attempted to upgrade my phone line with XXXX. I have been a loyal customer for 5 years with no missed payments. I was notified of a XXXX XXXX  debt that was owed and that I could not upgrade my phone line. After much back and forth I attempted to provide XXXX with a letter stating that the debt was paid back in XXXX of XXXX and that I received an email from XXXX 's collection agency that I owed nothing. They refused to accept this response and now I have a collection showing on my credit report for a debt that has already been resolved. This debt is currently being disputed and I want it it removed.
Product: Checking or savings account

An alimony check was lost in the mail. So i stopped payment with the bank on XX/XX/2021 check number # XXXX and paid the fee. The check appeared in the mail and my Ez cashed the check and Citizens bank honored the check. Now my account is in the ( - ) and i have written other checks since this time. I have notified the person ( s ) who are expecting monies from me.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXXXXXX XXXX CHARGE-OFF STATUS ]. 
Since then, the account has repeatedly been updated as charge-off every month. 
This is an update on the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : TransUnion : [ XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX 2021/XXXX 2021. The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian, I always appreciate their assistance however there are a few things left unresolved. First thing is, there is an inquiry from XXXX Card Service that I did not authorize the date for this was XX/XX/2018. This inquiry is fraudulent and I did not authorize this. Please block this inquiry. Secondly, I see two accounts from XXXX Card Services, and one from XXXX auto. I sent in a police report and these were never blocked. Additionally I have another issue that I am going to see if I can get assistance for, so my address listed should read XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX however it does not appear that way in addresses. Lastly there are two inquiries from XXXX, I only authorized ONE inquiry. This was on XX/XX/2018 the second one on XX/XX/2018 was a duplicate. I am unsure why they pulled two since I only authorized this once. I opened an account on the XXXX with XXXX but Im not sure why they took another inquiry the XXXX I did call them, and they werent sure either. Can you please dispute the second one? Thank you for your assistance!
Product: Mortgage

Our home was hit by a tornado on  XXXX   XXXX ,    2017. Our i nsurance company attempted to give us a check, but had to reissue  it because PNC mortgage company never notified them they bought our loan. Once we finally received our check, we had to submit it to PNC mortgage company ( even though we own more than 2/3 of our home, we owe less than a 1/3 on our home ). We have made multiple attempts to reach the Loss Claims Dept. of PNC. I have  been on hold for ov er 4 ho urs and was never able to speak to a representative. I have called the customer service department and they always inform me someone will contact me back within 24 hours. We are trying to make the repairs to our home, but can not reach the bank to have them issue the checks to the contractors. We have multiple contractors and they want each contractor to submit paperwork that is notarized. We have paid a few of the contractors with our own money and want to get reimbursed. My  XXXX   year old  daughter is having to receive counselling after the tornado hit our home ( we were home when it happened ) and because our home still is in such disarray. We just want to have access to OUR own money that the bank is holding. They are making the rebuilding process impossible which is causing us a great amount of stress. To this day, we have not received one penny from the bank because we can never reach a ny one in the Loss Claims De partment. We believe they are holding the money and collecting interest on it.
Product: Student loan

When checking my credit score it shows my amount increased by {$1300.00}. I contacted Navient to explain to what this increase is for. It seems everytime I am close to paying off my loan they add more to my loan. They can not explain to me what this amount is. Should I not have the right to know what the complete total is. That said is is money I owe to the school but that school is closed, so how do I still owe them money. Sounds very questionable and no one can give me a answer.
Product: Vehicle loan or lease

On XX/XX/18, I inquired about an additional {$700.00} balance on my loan and was told it was from accruing interest from deferring 3 payments over the life of the loan. I understood the deferments would extend the loan by 3 months, but now there is additional interest ; 2 additional loan payments worth. This was never explained nor agreed to by myself. The representative would not clearly answer my question regarding the amount. I spoke to a financial adviser who listened in to the phone call and informed me, by Wells Fargo 's daily interest amount, the additional interest should only be {$76.00}. The representative continually avoided my question and request for clarification. I feel this is unjust practices and that they are trying to gain addition financial income from my payments.
Product: Credit card

I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal.
Product: Mortgage

XXXX ( now PNC ) does not provide transparent and proper disclosure of fees and costs associated mortgage/refinance products. PNC 's claims of " fair lending practices '' are false. PNC 's disclosures are far removed and misrepresent any claims or commitments to " good lending practices ''. 
PNC also used deceptive practices to lure us into the mortgage transaction, and conveniently " timed '' the closing dates so that we were stuck with them and risked the lock-in date- thus forcing us to give in to PNC 's fees and charges. 
We had current mortgage with XXXX since XXXX. We started the refinance process in XXXX XXXX. We were advised to start a HELOC and were told we would be able to convert that HELOC via an inhouse transaction *with minimal to no closing costs*. We were also told the appraisal charges would be waived at the time of converting the HELOC to a refinance mortgage. So, we provided all the paperwork and details and got a HELOC approved in XXXX. In XXXX we took the HELOC loan and started on the conversion to refinance 10 days later in XXXX- with intention of converting it right away to the refinance mortgage per advise from the Loan Officer. In XXXX, XXXX  the refinance transaction never happened in the manner we were told/sold. It dragged on with restarting the entire underwriting process, second set of costs and appraisals, and multiple delays due to " merger '' chaos/confusion. Then we were told, this would be a full transaction. i.e. full closing costs and full appraisals, and sorry but NO lender credits to make us whole for the ( mis-represented/mis-communicated ) offer to refinance with a minimal cost product.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/year>
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding their inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ).

My concerns are primarily focused on the following issues : 1. Inadequate Fraud Prevention Measures : Cash App has failed to implement timely and effective measures to prevent and address fraudulent activities on their platform. My account was left vulnerable, and I experienced significant risks that were not adequately mitigated by their security protocols.

2. Unfair Dispute Resolution Process : The process that Cash App employs to resolve disputes is both unfair and deceptive. I have encountered issues that were not addressed in a timely manner, and their responses lacked clarity and transparency. This is particularly concerning as it violates the error resolution requirements set forth under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These regulations mandate that financial institutions must investigate and resolve reported errors within a specified time frame, ensuring customer protection.

As a result of these failures, I have suffered considerable inconvenience and financial loss. I believe that Cash Apps actions not only contravene the CFPA but also undermine the protections intended for consumers under the EFTA and Regulation E.

In light of the above, I seek appropriate redress for the inconveniences and financial losses incurred due to Cash Apps negligence and failure to comply with federal regulations. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX Balance Owed : {$9800.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXXXXX Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}.
Product: Payday loan, title loan, or personal loan

I have contacted the company and informed them of my financial situation and told them I would pay in smaller amounts and then pay off once I get my income taxes. I have been unable to make payments and the company keeps calling texting and emailing me.
Product: Checking or savings account

XXXX bank ATM machine in the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) stole my debit card And when I called the bank to retrieve it they told me that they could not retrieve it and that when it was collected they were going to destroy it, that they held no liability for THEIR machine stealing my card and that I would be 100 % liable for any fees incurred in its replacement and that I'm just going to have to wait for a new card. This puts a serious financial hardship on me as I need my card to pay my bills
Product: Credit card or prepaid card

I have now had an issue with my Wells Fargo credit card for over a month. I contacted them at least XXXX times trying to resolve the fraudulent charges that were made on my card that did not belong to me but they keep denying my claim for the dispute. I have told them multiple times I did not have my card when these transactions were made and I explained to them which transactions were mines but they continue to deny my claim and the issue of the disputed charges all remains unresolved. Charges since XX/XX/2022 when my card was lost and the amount of almost {$2000.00}. The representatives who I spoke with who are supposed to be the higher level reps in the executive office all sound like they are foreigners and are hard to understand. They are very unprofessional and when I asked their information for my own records they refused such as they refused to provide me with a last name for anyone I spoke to. They tell me it will investigated 10 - 15 days and each time I get nowhere with them and I am still being charged and now the credit card is overlimit because of the fraud charges and they still wont resolve anything! Wells Fargo Cash card is the absolute worst
Product: Checking or savings account

In the year 2019, my Vystar checking & saving account was involuntarily closed & I have not been able to open a new account with Vystar or any other Credit Union since. I have also had trouble opening bank accounts with non-credit union banks. Vystar closed my account due to I received a check in the mail for an item that my husband was selling online, I believe it was a riding lawnmower if I'm not mistaken. We attempted to deposit the check through my apps mobile check feature. Vystar then made me aware that the check was fraudulent & told me that I should file a police report if we had already given the item being sold to the " buyer ''. But since we had not sent the item to the buyer yet, we did not feel it necessary to file a police report & assumed Vystar would handle anything to do with the fraudulent check. My bank account was then closed a few weeks later & when I contacted Vystar to find out why, they said due to the fraudulent check they closed my account since I didn't turn in a police report. I did not know that I was required to do this & I feel that my bank account being closed due to someone attempting to scam me is unfair. I have attempted to resolve this with Vystar multiple times but they always say there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent TransUnion a dispute letter asking them to verify the items listed on my report by sending an original consumer contract with my signature on it. Transunion sent their dispute results, but not an original consumer contract with my signature on it for none of the items they claim they verified.
Product: Debt collection

I requested to settled the account. Paid off on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry from XXXX XXXX on my report i dont recognize yet i received a letter from transunion stating they verified it. I dont see how that was possible