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

Lost high salaried job in XX/XX/XXXX ( recession ) and fell behind on mortgage payments financed with XXXX. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XX/XX/XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XX/XX/XXXX, we filed for deed in lieu of foreclosure with XXXX and were approved. We had since moved out of the property and turned over to XXXX. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the City of XXXX  XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to XXXX. I called XXXX and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from XXXX. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. XXXX failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
Product: Bank account or service

I went into Chase bank to cash a check from one of their own accounts. They told me there would be an XXXX charge to cash it. {$8.00} on a {$65.00} check is ridiculous, not to mention the check was from one of their accounts. It is a promissory note from their institution.
Product: Mortgage

I purchased my home in XX/XX/XXXX with Vystar Credit Union. Property taxes were {$870.00} a year at the time of purchase. In XXXX the property taxes went up to {$2700.00} with no upgrades to my property. I went to the county tax office last year and challenged this significant increase. They stated there was a mistake and sent Vystar a check for the discrepancy. Now Vystar raised my mortgage payment from {$870.00} a month to {$1300.00} and is charging me late fees every month even though the mortgage payment is being made on time and I have been making {$1000.00} payments and Vystar is putting my payment into an undisclosed account and not dispursing it towards my mortgage payment. They will not send me a report showing my payment history break down the payment to see where the money is dispursed. They are a purgatory financial institution and I need my questions answered. They Said they didn't catch the error in XXXX regarding the increase in property taxes and wants all their money now. I live on a fixed income and this is creating a financial hardship for me as a XXXX  woman. They are also auto withdrawing the XXXX XXXX monthly mortgage payment without my consent. Your help in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/ my Navy Federal XXXX card was compromised and used to purchase {$420.00} at XXXX XXXX XXXX located in XXXXXXXX XXXX  I got a copy of the receipt as proof that I did not make this purchase I filed a police report with XXXX XXXX XXXX  Police Department with the name of the person that I do not know nor did I give authorization for my XXXX card to be used my card information was stolen and used to make this purchase the receipt police report as well as my statement has been submitted to Navy Federal who refuses to take this charge off of my credit account what other steps should I take this is not my debt
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

Net Credit and XXXX XXXX XXXX XXXX XXXX are both reporting information to the credit bureaus ; for what appears to be the same account.
Product: Checking or savings account

My direct deposit from my employer is being held by the bank. They will not give me my paycheck
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and XXXX credit reports. 

Both accounts show a hard inquiry from Capitol One on XX/XX/2022 located at XXXX Capitol One, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with Capital One. Capital One was unable to verify any credit application using my social security number or cell phone number. Capital One refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to Capital One in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from Capital One. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from Capital One, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with Capital One or obtain a fraud report. 

I also received a call purportedly from Capital One 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from Capital One, as this number is not referenced on any Capital One site.
Product: Credit card or prepaid card

I paid " Current Balance '' on XX/XX/XXXX, which I assumed was the entire balance since I did not use this card at all for quite awhile. On XX/XX/XXXX I was charged {$27.00} in interest charges. Its very deceptive. As the consumer, I believed I was paying the entire amount. 

Chase, the credit card issuer replied with the following : Interest charges are listed separately on your monthly statement based on the type of transaction and the associated annual percentage rate ( APR ). 

You have different types of balances on your account. Each has its own APR. 

- Your purchases had an APR of 0 % variable good until XX/XX/XXXX, and the interest charged on that balance was {$0.00}. 
- Your promotional offer had an APR of 0.00 % variable good until XX/XX/XXXX and applies to the balance transfer, and the interest charged on that balance was {$27.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting around XX/XX/XXXX I entered into a loan modification with Ocwen Mortgage. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, Ocwen continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. Ocwen accepted a nominal loan amount from HUD for the amount Ocwen indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with Ocwen for over 2 years to correct the reporting to my credit. Ocwen informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that Ocwen reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to Ocwen around XX/XX/XXXX. I indicated that since Ocwen can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then Ocwen must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from Ocwen 's Loan Servicing Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called Ocwen 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at the end of XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from Ocwen , still in the loan modification trial period.
I have additional documentation if needed.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX  - XXXX  XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

Approximately 2 weeks ago I did notify FREEDOM MORTGAGE CORPORATION of my revocation of my XXXX to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation. I also notified FREEDOM MORTGAGE CORPORATION that, pursuant to 15 USC section 1666b, FREEDOM MORTGAGE CORPORATION may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose, and I demanded any and all late payment ( s ) reported by this creditor be immediately updated to a status of PAID/PAID AS AGREED/PAID ON-TIME according to these XXXX laws, however, they have not updated their reporting to any of the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received alerts from several credit report monitoring sites/apps informing me of a hard inquiry on my XXXX report by Wells Fargo Bank NA . I did not apply or otherwise authorize an inquiry from Wells Fargo today. 

I contacted Wells Fargo via the phone number listed on the inquiry and explained the issue. I was told that all they could do is fill out a credit card dispute form, which would take two weeks to a month to investigate. They would also not provide any reference/case/confirmation number for this dispute form. 

They also told me to dispute it with XXXX directly, which I attempted to do, but was told by XXXX that I needed to contact Wells Fargo themselves. Each party is passing-the-buck. 

Im in the process of shopping for a home and will be applying for a mortgage. I dont have a month for Wells Fargo to investigate a non-existent credit card dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INDIVIDUAL BY THE NAME OF XXXX XXXX XXXX IS KNOWN AS A CON XXXX FOR STEELING AND OBTAINING PEOPLE 'S CREDIT CARD INFORMATION. SHE HAS BEEN A SUSPECT AND CONVICTED WITH FRAUD ON MANY DIFFERENT OCCASIONS. SHE GOES BY THE NAME www.acreditworks.com and has fake reviews on her sit of people who she personally knows to have them put on there. This girl is a con XXXX. She poses as a previous owner of a car dealership but looking into VA state court records she is massive con XXXX. 


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

XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}
Product: Credit card

Complaint Details : I am filing this complaint regarding an unfair decision made by PayPal Credit in dispute case XXXX XXXX Despite providing evidence that the seller failed to adequately prove delivery of the purchased item, PayPal Credit sided with the seller. This decision was made without properly addressing the following critical issues : Lack of Verified Delivery Evidence : The seller provided delivery information, but it lacked photo evidence or a signature, both of which are typically required for packages valued over {$100.00}. USPS generally ensures such packages are handled in person, yet no such confirmation exists in this case. 
Absence in USPS XXXX XXXX : USPS XXXX XXXX records for XX/XX/year>, the date the seller claimed the package was delivered, show no record of this package being delivered to my address. 
Attempts to Resolve the Issue : I made reasonable efforts to resolve this issue directly with the seller and through PayPals dispute resolution process. I also attempted to contact USPS using the information provided by the seller but received no response or clarification.

Why I Believe PayPal Credits Decision Was Unfair : PayPal Credit ignored clear discrepancies in the delivery evidence provided by the seller and failed to account for the lack of standard delivery verification. Their resolution process was unfair and did not uphold reasonable standards for protecting consumers in cases of suspected fraud or delivery mishandling.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/XXXX   account number XXXX and fraudulent inquiries cap XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX  XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX  be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX .
Product: Debt collection

Cbe collection said I owed debt I paid with debit card over the phone in full Said they would remove it from my credit report from XXXX if I paid in full they had it taken off and put it right back on I have contact both XXXX  and cbe collections and they blame One another I am trying to buy a house and the collection on my credit report is keeping me from it please help me Resolve it I have online recipe of payment. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, CashApp 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 and Regulation E. These actions have caused significant inconvenience, and financial loss. And I seek appropriate redress for these violations.
Product: Checking or savings account

I submitted my receipt for a non covered dental service to my XXXX  provider ( XXXX XXXX XXXXOptum Financial ) on XX/XX/23. The receipt clearly shows the date of services, the amount and other relevant info for XXXX XXXXeimbursement. My claim was marked pending despite all the documentation and the company is requesting non relevant EOB information. The service is not covered by dental insurance and is marked as such on the receipt and other supporting information. 

This is not the first time this company has denied legitimate XXXX claims and put up roadblocks for reimbursement despite sending receipts and other supporting documentation. 

The claim number is XXXX
Product: Checking or savings account

First of all I want to say that CFPB does an amazing job for our country and I'm sure you're helping even more these days with the pandemic going on. 

I'm complaining about a series of mistakes made by Fulton Bank which are preventing access to my money. 

I opened an account with Fulton Bank in XXXX of XXXX. I opened the account with a deposit of {$150.00}, made {$5.00} in debit card purchases, and earned a {$25.00} bonus for a total of {$170.00}. The balance remained at {$170.00} until XXXX. 

I logged in a few weeks ago to close the account and noticed there was over {$2000.00} in it. I determined that someone else had somehow used my account number to link with their XXXX account, and passed verification, evidenced by two small < {$1.00} " verification '' transactions in XX/XX/XXXX. There were many deposits and a few withdrawals. 

I called in, and this is when the unpleasantness began. 

I said I simply want my {$170.00} and don't care about the rest. They said they have to start an investigation. They made me go to a branch on XX/XX/XXXX to sign about 20 forms, one each for the transactions that weren't mine. They said they would get back to me within 24 hours. At that time, I asked if I could withdraw {$170.00} and they said I could not. 

Today ( XX/XX/XXXX ) I got a call asking me to go to a branch and sign the dispute forms. I said not only did I sign them already, I have photocopies, so what are you talking about. The caller seemed confused, then apologetic. That's when I decided I needed to make a complaint. Fulton Bank has been holding on to my money, even knowing that A ) I want it back B ) I'm being 100 % honest about the rest of the money which isn't mine and C ) I have done everything they asked me to do promptly. 

I'm very upset that not only have they allowed improper access to my account, but they have lost the paperwork I went out of my way to sign, and on top of all that are preventing me from accessing my own money. 

I feel like I am being punished for doing the right thing. I can think of multiple other ways I could have handled this situation that would have allowed me immediate access to my money and far fewer headaches and I am very upset with Fulton Bank. 

You may also want to investigate XXXX and how they allowed the account to be " verified. '' Did the other person have access to my bank account? Did they guess correctly? ( 1/1000 chance ) Does XXXX actually ignore that test when allowing linking? Either way I want my money back and I want it ASAP.
Product: Mortgage

We paid our loan down to XXXX XXXX which is now even less. Loan lef is XXXX per PHH site value of home is XXXX Original price of home was XXXX original loan was XXXX We have met the LVT For PMI to removed Per XXXX XXXX To cancel PMI on a XXXX XXXX loan, you can follow the steps below : Automatic Termination : The servicer must automatically terminate the MI when the mortgage loan reaches XXXX XXXX of the original value of the property or the mid-point of the amortization period, provided that the borrowers payments are current on that date OR Borrower-Initiated Termination : You can request cancellation of PMI when your loan balance reaches XXXX XXXX  of the original value of your home. You can make this request by contacting your lender XXXX. 
OR Termination Based on Current Value : You can also request cancellation based on the equity in your homes current value. To do this, you will need to pay for an appraisal of your propertys value XXXX. 


We have paid down loan below XXXX percent and requeted removal. We have paid below the XXXX percent so it is automatic removal. 

PHH Mortgage will not remove saying have ot pay fees and complete apprasial but that is not the current law
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Speedy Cash/XXXX XXXX XXXX SS XXXX XXXX Dollar amount {$400.00}. 
I stopped payment on this payday loan because I think someone using my information came into the store and got the money. I had Speedy Cash send me a copy of the documentation that I signed. Attached to my information was a copy of a reference sheet that had people I did not know and was written in another handwriting. My bank stopped the money from coming out of my account but without my knowledge decided to send it to Speedy Cash XXXXXXXX XXXX zip XXXX. Speedy cash turned it over to a collection agency to get paid double. I would like to get this straightenout I have tried many times but it is hopeless. 
XXXX XXXX XXXX has been no help with this. The date it cleared my bank was on XX/XX/2022. The claim number with my bank is XXXX account XXXX. If you need any more information you can call me at XXXX XXXX XXXX XXXX