23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint reporting the fraudulent accounts I have discovered on my credit file, which have been reported by the three major Credit Reporting Agencies. The following accounts are in no way associated with me. I recently received a copy of my credit report and was shocked to find several accounts that I did not open and have no knowledge of. After conducting research on how to remove fraudulent accounts from my report, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file a report. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are required to remove or block any accounts listed on an identity theft report. I have neither received any money, goods, nor services as a result of this fraud, nor have I authorized these accounts. Therefore, I urgently request that these accounts be promptly disassociated from any affiliation with me : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$610.00}. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. This blocking must be done no later than four business days after the date of receipt.
Product: Debt collection

On XXXX XXXX, at approximately XXXX XXXX  ( advised I may be recorded ) I contacted XXXX XXXX Collection agency at XXXX and XXXX, in reference to come to terms with a possible debt from an original creditor to wit " XXXX XXXX. '' I spoke to a " XXXX '' and a person who identified herself as " XXXX '' who informed me she was not obligated to provide me with her last name. Both XXXX and XXXX reported I owed {$3300.00} and also {$94.00} which is an amount greater than that recorded by XXXX XXXX records. When I explained to both XXXX and XXXX my financial circumstances and if they could possible offer some type of settlement amount they both stated " XXXX XXXX does not allow us to reduce the amount owed. '' I therefore, contacted XXXX XXXX and spoke to a " XXXX '' and also a " XXXX '' who reported the above statement is inaccurate and that XXXX XXXX has nothing to do with the amount owed with regard to payment thereof. I subsequently again contacted XXXX  XXXX and again spoke to XXXX, I requested to speak to the " Supervisor '' XXXX and XXXX reported that XXXX had gone home for the day and they did not have a Supervisor on site for me to communicate with. XXXX reported the Supervisor will not be available until XXXX XXXX the following morning. With respect to the above comments, I feel XXXX is in direct violation of XXXX XXXX - Operation without a Manager and XXXX XXXX Section 1 and Section 2, Subsections ( a ) ( b ) - Prohibited practices.
Product: Mortgage

To Whom It May Concern, I am submitting a formal complaint against Regions Mortgage for failing to comply with the Homeowners Protection Act ( HPA ) regarding the automatic termination of Private Mortgage Insurance ( PMI ). 

Complaint Details : My mortgage loan originated with Regions Mortgage in Kentucky for {$210000.00} with an original home value of {$220000.00}. 
As of XXXX, my loan balance fell below 78 % XXXX of the original home value, meeting the legal requirement for automatic PMI termination under the HPA ( 12 U.S.C. 4902 ( b ) ). 
Regions Mortgage continued charging PMI despite the loan reaching the mandatory termination threshold, leading to an estimated overpayment of {$1400.00} in PMI premiums. 
When contacted, Regions Mortgage stated that PMI was not removed because I did not request a new appraisal, despite the fact that automatic termination does not require an appraisal or borrower request under federal law. 

Violations of the HPA : PMI must be automatically terminated at 78 % XXXX based on the original value without borrower action. 
Regions failure to cancel PMI resulted in unnecessary financial burden and violated federal mortgage servicing rules. 
Their requirement of a borrower-requested appraisal for automatic PMI termination contradicts federal law and CFPB guidance. 

I request that the CFPB investigate this matter and take appropriate action to hold Regions Mortgage accountable for their failure to comply with PMI termination requirements. 

Please confirm receipt of this complaint and advise on any further steps I should take. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On or about XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dealer # XXXX a representative of Mercedes-Benz was assigned to extend credit to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, took willful and knowing adverse action on XX/XX/2022 denying me the RIGHT ( credit ) by not making available my consumer credit under my open-end consumer credit plan available to me for personal use to purchase a XXXX XXXXXXXX Stock No XXXX as advertised. I provided the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and Business Manager, XXXX XXXX the requirements and procedures under the Federal Laws of Truth In Lending and Equal Credit Opportunity Act under 12 CFR part 1002.2 and 12 CFR part 1026. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ignored the opportunity to remedy the adverse action which they are in willful and knowing violation by denying me my right pursuant to 12 CFR part 1002.2 ( c ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their employees, agents, successors or assigns have ignored all of my notices regarding this consumer credit transaction. I will move forward to Arbitrate by the Federal Arbitration Act under 12 CFR part 1040 if they continue to discriminate against me. Please see attached evidence.
Product: Debt collection

I previously authorized XXXX to withdraw a payment for account from my Checking account. Instead the company attempted to withdraw the Money from my Savings. They were previously informed that the account numbers for my checking account and my savings account were the same so they had to be sure to withdraw from my checking account rather than my Savings. Thereafter, several attempts were made to withdraw funds from my savings account. The first attempt there were insufficient funds in the account. Rather than send an email or call XXXX 's proceeded to make multiple attempts to withdraw the funds resulting in over {$88.00} in fees with my bank. Had the company attempted to withdraw the money from my Checking account only one attempt would have been necessary for them to receive payment.

On Friday XX/XX/2018 I reached out to XXXX 's to attempt to rectify the situation. I stated that I was currently working in Washington D.C for a legal clerkship and would be willing to make a payment. However, I requested that XXXX 's refund the excess fees that I inquired to my account as a result of the unauthorized multiple attempt that they made to withdraw money from my savings account. I was forwarded to a supervisor that stated she would call me back on Saturday. I missed the call on Saturday but no contact information was left for the manager so that I could follow up. 


On Monday XX/XX/2018 I received multiple calls from XXXX 's while I was at work which disrupted my work day. The calls were XXXX 's attempt to collect the debt which was discussed on XX/XX/2018. An additional call was made to me by XXXX at XXXX while I was sleeping. I informed the representative on the phone that it was currently XXXX in my current time zone and they were not allowed to call at that time. The agent insisted that XXXX XXXX was allowed to call until XXXX. I stated that they were not allowed to call that late and informed the representative that I was hanging up because I was trying to sleep. However, having my sleep disrupted I decided to call XXXX 's back and informed the new customer representative about what transpired he informed me that the call was made through an automated dialer and that XXXX 's could not control the Dialer. 

I informed the agent that regardless of whether the call was made using an automated dialer it was placed after XXXX and one of the companies agents ( whom was a live person ) asserted that they were allowed to call until XXXX. I asked to speak with a supervisor. The agent did not want to transfer the call and insisted on reiterating what he'd already said. Upon my insistence I finally transferred to a supervisor and I informed the supervisor that the call being placed after XXXX was a violation of the Federal Consumer Credit Protection Act and that I would be lodging formal complaints and would possibly pursue legal action. 

Phone records can be provided upon request.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2021, I received a cash app payment from my daughter in the amount of {$200.00}. I decided to cash out the funds back to my bank account. I also sent a {$20.00} donation to a friend as a donation for a food purchase for a family who lost their mom on yesterday. This morning neither transaction was showing in the Cash App. 

I also use this same platform to invest in stocks. Because my transactions from XX/XX/2021 still weren't showing, I checked my stocks and found that 94 % of my money was gone and the stocks selected for my investments were no longer showing on the platform, i.e., XXXX XXXX, XXXX, etc. On XX/XX/XXXX, I had a balance just over {$4100.00}. Today ( XX/XX/XXXX ), I have less than {$200.00}. I checked my stocks on the stock exchange to determine what happened in the market and found that there were no significant losses. Yet, my money is gone. In addition, the site does not show what my stock investments are, but does show my total invested amount and current balance as of the close of yesterday. I also make bi-weekly purchases for certain stocks, and those are not showing in my history. Ironically, there is a Bitcoin balance of {$92.00}, and I have never purchased Bitcoin.

I can only assume that I have been hacked because nothing else makes sense. I did take photos of what is currently showing on the screen at different intervals during the day for XX/XX/2021. However, the site was showing balances for a timetable for today for afternoon transactions and yet it was only XXXX XXXX. when I checked my account balances this morning. I submitted an inquiry and was told someone would be in touch within 2 hours. I have not received a follow-up but in the interim I wanted this information regarding this scam to be published immediately. I realize there is risk when investing in the stock market. However, I have been participating for quite some time and understand the risks. I have lost a few dollars here and there, and that's to be expected. However, I am positive that I have been scammed because I don't show any significant losses on yesterday for my selected stocks. 

Any assistance you can provide is greatly appreciated. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove the fraudulent items : 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 XXXXXXXX, MO XXXX XXXX XX/XX/2024.
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 redress for these violations.
Product: Credit reporting or other personal consumer reports

I have requested debt validation to the debt they say I allegedly owe.
Product: Mortgage

Carrington mortgage is refusing to provide me with a payoff letter. Ive followed all of their instructions and they keep lying as to why I cant get this letter. First lie. they said application letter wasnt received. Second lie was I didnt sign it and the 3rd lie was that my email address wasnt associated with the account. This is my fathers house. He passed away last XXXX. Weve been dealing with probate. Carrington was advised every step of the way on progress etc. now it seems their refusal to provide this letter in a timely fashion leads me to believe theyre trying to sell the house from under me.
Product: Credit card

Hello, I recently got approved for a XXXX XXXX XXXX  by Chase. The advertisement said get a XXXX XXXX  once you are approved and continue with the application and it can be applied to the balance of your hotel stay. 

Well, I applied and now chase will not give my ecard to me and they. Are alleging I signed up for some other credit card. 

They obtained my social security number under false pretense and I want my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were not permitted - I did not authorize these companies to access my credit report and I have never felt more violated.
Product: Checking or savings account

ok so i came home from school back in 2020 my wallet with all my identity was lost at the airport every since then i have been unable to open any bank accounts chase claimed i had a bank with them which i didnt same with XXXX XXXX  and XXXX  XXXX XXXX the only ones that are accurate is XXXX  XXXX XXXX XXXX and XXXX XXXX someone has been using my stuff to open accounts and getting them charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$870.00}.
Product: Student loan

Student loan co-signer paid off total loan amount of around {$39000.00} for a {$20000.00} initial loan. During the terms of the loan XXXX XXXX, now Navient did not submit loan statements and continue to accumulate interest. Loan no XXXX ( XXXX ) Navient has refused to submit close out papers on the total balance paid at the end of XXXX 2015 for XXXX XXXX XXXX. as a result they tried to start a new loan of which I have not authorized or approved. Now there is no access to the site to review the paid off balance for the total loan. In addition, Navient is trying to add interest of {$1.00} to extend the loan terms past some due date in order to state that the total terms of {$90000.00} is due. Therefore, not only has the original loan extended past the Federal Government Fair Trade Laws for Statue of Limitations of which I am due my {$39000.00} back, but they are refusing to close out the loan paid. This is consumer fraud, and violation of federal laws, and a form of violation of the XXXX statue for loan sharks. Please assist in closing out the account and repayment of my {$39000.00} for contract violations by Navient and XXXX XXXX. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : XXXX. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

XXXX. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

XXXX. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

XXXX. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX
Product: Mortgage

I have a mortgage with Mr. Cooper. I had a mortgage relief when the pandemic started in XXXX. It had continued for two years. After that point I was not able to pay because of loss of income. i have been working with the company to try to resolve the problem. Recently I have had a person intrerested in buying the property. Because of the amount I still owe on the property we were trying to do a short sale. When this was submitted on XX/XX/XXXX it was rejected because they said it was to close to foreclosure date of XX/XX/XXXX. 
We have tried to get Mr. Cooper to extend the sale date but they have refused to do so. 
I am requesting your help with this problem so we can do the short sale. 
Thank you, XXXX XXXX XXXX
Product: Bank account or service

I have been closing my account at HSBC by cancelling all of my activity in the account for the past two months. HSBC refused to notify me when a request for withdrawing funds from XXXX XXXX came in and I had no money in the account. They have my email address and often send me emails for new products and services. They deliberately covered the check so they could collect on the fees and penalties for an overdrawn account. I do not have overdraft protection, so they should not have covered the check and should have notified me immediately.
Product: Checking or savings account

I have been having the worst issues with fraud caused by an individual in XXXX XXXX. She has accessed my account and drained my funds. This has been ongoing for over 2 months now. I've reported the issue several times, but the fraudster keeps calling back and changing my address and phone number back to her information. After getting my 5th new debit card and disputing all charges, making an account passcode, the account was handed right back over to this individual and I can not get any assistance since I can not verify her email address or phone number. I was told today that they do not set up passwords for accounts, although the last person I spoke with that I thought I resolved this issue with, that the password would be required before any account changes could be made or any access to the account period. Apparently that was false because I am now locked out of my account. Because of this I am about to be evicted because I have not had access to any of my funds for 2 plus months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}
Product: Mortgage

On XXXX I was told by a boa cust care resolution specialist XXXX XXXX that i owed additional interest on a modification that was signed by boa XXXX and not filed or completed until XXXX .I recvd a copy of the response to cfpb from XXXX stating that it has been verified thaht on XXXX boa made adjustments to the loan to show they had recvd XXXX thru XXXX payments on time. now boa is stating that additional interest is owed. I have abided by the agreement. I have the final mod stating when the payments, conditions and terms of the loan begin and end.XXXX stated XXXX that the payments were just estimates and i should read my agreement.NO this is not stated on the final agreement. I want this entire modification process to be audited by the cfpb..