23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been complaining to Bank of America, to XXXX and CFPB since the start of the Financial Crisis in XXXX 
THIS IS OUR LAST COMPLAIN. 
Its is in response to the last letter ( case # XXXX ) received from Bank of America Resolution Specialist.

With all our respect The BofA Resolution Specialist is missing the point. 
This complaint is NOT about present interest of BofA in this Loan. 
This complaint is about BofA past Loan Modification Fraud. 

A little bit of Justice will be greatly appreciated. 

How did Bank of America prevent mortgage modifications? 
What we have learned through former BOA employees and supervisors is that BOA engaged in a scheme of deceptions, misrepresentations and outright lies to keep its customers from getting XXXX mortgage modifications. 

Among other things, BOA would : Repeatedly and intentionally lose customers modification applications Falsely claim that the applications were incomplete or stale Tell applicants that they could not qualify unless they were behind on their payments Charge its customers unnecessary fees Fail to apply customers payments to the proper accounts. 
BOA did this because it figured out that it would make far more money through foreclosures or less favorable mortgage modification than through XXXX modifications. 

As a result of its fraud, BOA has been forced to repay the United States government a XXXX XXXX! What BOA has not done, however, is repay all of the customers it defrauded. Thats what our law firm is committed to do for our clients getting them the justice they deserve. 

What BOA has not done, however, is repay all of the customers it defrauded.
Product: Credit reporting or other personal consumer reports

As a request of your organization, the letter will be mailed to the following organizations. 
US Department of Justice XXXX XXXX XXXX, XXXX Washington DC, XXXX Dear sir, Upon the request of the Consumer Financial Protection Bureau ( CFPB ), I would like to share the complaint, which was submitted to CFPB previously. 

Sincerely, -- US Department of Justice, XXXX XXXX XXXX, XXXX, Washington DC, XXXX -Federal Trade Commission New York Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -US District Court for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Supreme Court XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX -Federal Communications Commission Consumer and Government Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX XXXX Washington DC XXXX XXXXAdministrative Conference of the United States XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Washington DC XXXX XXXX XXXXNew Jersey Office of the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX
Product: Prepaid card

Below is the information of a virtual credit gift card that was provided by Tesla. However, it never worked on their site and after reaching out to them via e-mail, phone and in the physical store they were unable to provide a valid Promo code. It's insane how many complaints Tesla receives and how deceptive they are in terms of providing feedback and trying to deceive customers. When I spoke to a live agent- they show the below code was never ACTIVE - so not only misleading, but a pure fraud. 


Dear XXXX, Here is a {$350.00} credit that can be applied towards the purchase of select Tesla vehicle accessories and apparel at shop.tesla.com. 

Promo Code : XXXX Valid until : XX/XX/year>XXXX  Best Regards, Tesla Delivery Team
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by XXXX XXXX ( XXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from XXXX listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with XXXX back in XXXX. I then tried to obtain deletion directly from XXXX and they refused. I then disputed with XXXX, TransUnion and XXXX and TransUnion deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at TransUnion and/or XXXX are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining XXXX accounts should be deleted by TransUnion so I can obtain credit score lift. In fact, the 4 medical collections from Dignity never should have reached XXXX for adverse listing against me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. Here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was a recipient of a meager {$500.00} from the XXXX. I was then sued by JP Morgan Chase in foreclosure. I believe when they saw I was a part of that lawsuit the switched out the Plaintiff for XXXX loan with what looks like a fake allonge. At the same time I called XXXX and they said they were in possession of and own the note. 


This all resulted from a fraudulently induced modification by XXXX in 2010, where my ex husband who is on the deed did not sign the modification. My income was not enough to pay the loan and still be able to pay other bills. It did not lower the payment or interest rate but they charged me {$1800.00}. They delayed the modification first, for 6 months and added a bunch of charges. I do not believe XXXX was allowed at that time by the DOJ agreement to do modifications. And with the XXXX in settlements from those banks, it appears very little went to the victims. Where did it go? 
The county judge in Pennsylvania would not allow me to file a counterclaim and granted them a summary judgment. 

I can not afford a lawyer. Today I got a notice of Sheriff Sale from XXXX. Is there anyone that can help 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 proceed 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 card or prepaid card

I had a similar complaint I had submitted in regard to this situation with this particular card but this is a new complaint, something different. 
I explained very patiently to this Bank, the issuing bank behind this retail credit card, what had happened with the retailer, both on the phone numerous times with supervisors to no avail and in written complaints. I told them I was disputing the balance until the retailer resolved all of my issues. The retailer promised to credit me and reissue the charges under a new completely revised interest free plan, which they did eventually get around to doing sometime in XXXX. Also, as a part of it, they promised all my late fees would be waived and I would be starting with a new slate. However, it was a long wait and in the interim I was getting hit with late fees and my credit is now ruined. Before they had agreed, I had appealed to TD Bank to dispute the balance and they refused. I have never seen anything like this, where the issuing bank of a credit card refuses to stand by a customer when there is a dispute over a charge. Instead, all they did was continue to pile on the late fee 's compounding my debt. Making it worse. The retailer never had the late fee 's waived as promised. I still have them for XXXX, XXXX and now XXXX. The entire account is a mess and I am not paying this until all these late fee 's are waived. Furthermore, since the retailer promised to straighten this all out, this never should have affected my credit. TD Bank has the power to straighten this all out with the retailer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, while reviewing my Experian credit, I noticed my mortgage company, XXXX XXXX XXXX ( XXXX ), shows my loan terms as 600 months. I did not sign any documents with XXXX  to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, XXXX 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to XXXX to address this matter but have not received a response. Also filed a dispute with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate : 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: Credit card or prepaid card

I had an auto payment charged to my Sears Citibank credit card for about two years by XXXX. I found out this was my work program that my employer was supposed to be paying for, and no longer used the credit card for anything else. 
I have had this account for about 20 years. 
When I called to close my account XX/XX/XXXX, the charge had not showed up on the XXXX statement yet, so I didn't expect Sears to process a charge on a closed account, but they did/already had. 
I called again XX/XX/XXXX when I got a statement showing that I was being charged for the subscription which I was then paying with another account, and was told it " would be taken care of, '' however all the customer service rep. did was credit a {$29.00} late fee that I hadn't even been charged yet, leaving the {$15.00} XXXX charge on the closed account to accumulate late fees and interest. 
I found out this weekend that Sears Citibank has reported the account as delinquent, with over {$50.00} of additional late fees and interest charged, to the credit bureaus and dropped my credit score by over 100 points for the first time in many years. 
I called Sears and offered to pay the {$15.00} but they will not reverse any more late fees or interest charges or admit any responsibility for their customer service misinformation last month. So I paid the {$15.00} and they'd rather deal with CFPB and XXXX than give up on their late fees and interest charges. I'm not a customer anymore, so they don't give a XXXX. 
Lesson is when they say " it's taken care of '' don't believe them.
Product: Debt collection

The company is called One Main Financial, It was in XXXX when i applied for it, it is a unsecured loan. I went through two traumatic experiences last summer and it has affected me to repay these loans. 
Account Number Ending XXXX Dear XXXX XXXX : This is a reminder that your payment of {$2400.00} is due on XX/XX/XXXX. If you have not yet made arrangements, please consider using one of our convenient payment options : Call us at XXXX to schedule a check by phone Web Payment option by visiting us at : XXXXpayment Mail your payment to : OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Standard hours of operation are XXXXXXXX XXXX XXXX XXXX XXXX ET with extended office hours in some locations. 

Thank you in advance for your prompt payment. 

Sincerely, OneMain Financial Services
Product: Credit reporting or other personal consumer reports

I submitted proof that these debts were not incurred by me. Proof that I resided in another state when these debts were incurred. Experian failed to investigate, they reported back to me within 48 hours that they have done an investigation. If they reviewed the documentation with my XXXX ID validating that this reporting is inaccurate and should be removed from my credit report that is disadvantaging me and I am not able to get a loan or refinance. 

XXXX has already removed these off of my Credit Report. I do not understand Experian and XXXX continue to disadvantage me as a consumer in reporting inaccurate information which is a violation of the FCRA.
Product: Checking or savings account

On XX/XX/XXXX Cash App better known as SQUARE inc. 
Received an IRS check of {$1800.00} They refuse to return MY IRS refund. The check was deposited into a closed account which they advised me to close and open another. 
I forgot to change my deposit account number for my XXXX tax return. THEY DECIDED TI TAKE MY REFUND AS A PAYMENT ON A CLOSED ACCOUNT. Because they took it upon themselves and decided to find me guilty of fraud that was done on a closed account that was subject to fraud. State law says I am not responsible for money used from a credit or debit card that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries on my credit report that I did not authorize. I have already contacted the companies and the credit bureaus. 
XX/XX/2021XXXX 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 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 XXXXXX/XX/XXXX, Equifax Mortgage Services XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Specifically, the loan that shows a 60-day late payment for XX/XX/2019. This information is completely inaccurate, because before a 60-day late payment should be a 30-day late payment on the report, which was not reported. Actually, the reports show current/met terms for XXXX 2019. This student loan account did not require a payment in XX/XX/2019 due to the fact that at that time, I was enrolled full time at the XXXX XXXX XXXX XXXX  XXXX XXXX. Attached to this letter is a copy of my XXXX XXXX XXXX XXXX that confirms this information. Please remove this inaccurate late payment information from all of my consumer credit reports immediately, because it is affecting my financial goals. If you need more information regarding this matter, please contact XXXX XXXX of the XXXX at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX accounts for {$340.00} & {$460.00} have been paid on my equifax credit report. These accounts are paid, and need to be REMOVED from my credit report. Please get these accounts off of my report.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and notice that my account for XXXX XXXX  # XXXX account type, " Credit Card '', and noticed a couple of late payments from March- XX/XX/year> that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX XXXX : XX/XX/2018