23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Veripro Solutions send us a notice recently dated XX/XX/2014 stating they were the new lender for the second mortgage. And that they will be contacting us where to send second mortgage payments. We never received any correspondence from them period about making mortgage payments. They alledged they send over XXXX correspondence that not true to us. I am asking them Veripro Solutions to provide copies of the correspondences, Also for them to provide to us are they a debt collector or a actual lender with their XXXX Number and a copy of the note recorded by Veripro Solutions on our property. Also requesting the XXXX XXXX for Veripro Solution to negotiate a reasonable settlement. I am asking CFPB to have the Federal Trade Commission to look at Veripro Solutions abusive collection practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.
Product: Mortgage

I has not had a modification since XXXX. I made XXXX of the XXXX required payments to complete the modification. I lost my job and could not make the XXXX payment. I found a job and then continued to ask for a modification because I can now afford to make the monthly payments and I have been denied since XXXX. My mortgage is really behind because I have not been granted another modification. My mortgage company always say that they will foreclose on me. I have filed XXXX XXXX bankruptcy to save my home 3 times. I couldnt afford the bankruptcy payment because their payments were extremely too high. I am requesting a modification to put all behind payments on the rear of the mortgage but I keep getting denied.
Product: Bank account or service

Bank of America has been illegally disposing of my hard earned money after over 40 years of my trusting them with my assets. it. I do not know how long this has been going on. 
In regards to this matter, I filed a case against Bank of America on XX/XX/XXXX. XXXX # is:XXXX. 
I am writing to you again to provide you with additional evidence. Not only Bank of America has failed to make scheduled payments on time and in the amounts I had planned to pay creditors ; they have also pretended to make payments to my XXXX XXXX account but my creditor denies receiving any such payment.- When contacting customer service at XXXX XXXX card ( account number : XXXX ) they have acknowledged receiving payment for {$45.00} but denied receiving {$100.00} The {$45.00} payment occurred only because I personally went to the XXXX XXXX store located in XXXX, MA. I gave them the cash money I had with me, {$45.00}. I had to pay cash because when using my Bank of America debit card, payment to the XXXX XXXX was declined. My Bank of America account had funds to pay {$120.00}. 

As you can see in the enclosed pictures, Bank of America has been damaging my credit worthiness and stealing my money from my Bank of America account. These pictures show the illicit behavior in the following ways : -Deduction of {$100.00} but never paid XXXX XXXX. 
-Letter of complaint by XXXX in regards to only receiving {$45.00} while Bank of America kept {$100.00} kept in their pocket on XX/XX/XXXX. 
-Another issue is their scheduling a payment for {$120.00} payment to XXXX XXXX without my knowledge or consent to be paid on XX/XX/XXXX. 
I will be permanently closing my Bank of America account but it will take months before I can accomplish this goal because of the very cumbersome process of reporting any account changes to multiple health insurance companies, EAPs Programs, etc. 
So far, I have been spending numerous hours on the phone calling creditors but I am the one who is not being believed, PLEASE protect me and the public from Bank of America I do want this complaint to be published but my account numbers and name must be deleted as bringing public attention to my personal matters is not appropiate in my profession.
Product: Student loan

I have a private loan with Navient. They are continuously harassing me to make payment on my account even though I tell them I am having financial difficulties. I pay what I can, but they call continuously through the day, more than XXXX times a day! This is harassment! My parents are my cosigners and are in their late XXXX 's and are constantly being harassed as well. I make my payments they are late sometimes maybe at the most 7-14 days late, but I always pay up my past dues. There has to be a better way to have Navients workers give better options with repayment, not just telling us the only way to defer is to go back to school and or to lower my payments. I have read many reviews about Navient and they are all the same complaints, harassing phone calls, Bad customer service, and no way to better help the student with better options for repayment. I feel moore than 3 times a day calling is harassing. I am looking at seeking legal council regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.
Product: Credit reporting or other personal consumer reports

Have a few inquiries on my transunion report that doesnt belong to me. I asked transunion to delete them but still on my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I initiated an online external money transfer of {$200000.00} from a XXXX XXXX  account under the name of my trust to Synchrony Bank. I have documentation from XXXX that the transfer went through to XXXX XXXX. I have email documentation from Synchrony Bank on XX/XX/2023 that there was a pending transfer from XXXX of {$200000.00}, and the expected delivery date into my Synchrony account would be XX/XX/2023. 

On XXXX, XX/XX/2023 I received an email from Synchrony Bank stating that my XXXX account was temporarily suspended from using the funds transfer service. I personally went into XXXX XXXX  and spoke with XXXX XXXX, XXXX XXXX. She confirmed that the {$200000.00} had been sent to Synchrony Bank, and that it was not pending return to XXXX. I phoned Synchrony Bank at approximately XXXX XXXX while meeting with XXXX XXXX, and spoke with a representative who told me there was confusion with the transfer since it was originating from a trust account at XXXX. My Synchrony Bank account is under the same XXXX. She contacted a Synchrony Bank XXXX Supervisor named XXXX. He confirmed with her that the {$200000.00} transfer would be sent back to our XXXX account and would be at XXXX within 24-48 hours. 

As of today, XX/XX/2023, Synchrony Bank has not transferred the funds back to my XXXX account. This {$200000.00} is also not appearing in my Synchrony Bank account. These funds appear to be lost. 

I again phoned Synchrony Bank this morning, on XX/XX/2023 at XXXX XXXX., and the representative, XXXX, informed me that there was no one available who could help me with this missing {$200000.00} missing transfer. I left my phone number and asked for either XXXX or XXXX to call me back. 

It is absolutely unacceptable that Synchrony Bank can 'lose ' {$200000.00}, and not have anyone available to help locate these funds. Please help with a resolution. Thank you.
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 speak appropriate redress for these violations.
Product: Prepaid card

My card and funds was stolen and I filed a dispute with NetspendXXXX on XX/XX/year>. I was told I had to write a letter to be granted a provisional credit while an investigation is conducted. I am writing this complaint before I submit letter so this claim could be governed for constructive fraud. I dont feel my claim will be investigated in a due process manner.
Product: Mortgage

I am a homeowner in XXXX, PA, with a conventional mortgage serviced by M & T Bank. Recently, M & T Bank initiated foreclosure proceedings on my property. However, I have made recent payments that have not been applied to my account and currently have the funds available to bring my loan current. I have made multiple attempts to reinstate my mortgage by requesting a repayment plan, loan modification and reinstatement quote and payment instructions. Despite these requests on a recorded line, I was told by a representative at the bank that my account notes that I declined such programs. 

Despite repeated efforts to communicate with M & T Bank, they have ceased direct communication and have instead directed me to their attorney. Unfortunately, the attorney has also been unresponsive, failing to return my calls and emails. This lack of communication is preventing me from exercising my right to reinstate my mortgage and avoid foreclosure. My home is my only and primary residence. 

Key Issues : 1. M & T Bank has failed to provide a reinstatement quote and payment instructions despite multiple requests.

2. I have been directed to the banks legal counsel, who has also failed to respond.

3. My attempts to resolve this matter in good faith have been ignored, putting my home at risk of wrongful foreclosure.

Requested Resolution : Immediate reinstatement quote and payment instructions to bring my mortgage current.

A response from M & T Bank and their attorney within a reasonable timeframe.

Assurance that foreclosure proceedings will be halted upon payment. 

Given the urgency of this situation and the banks lack of cooperation, I request immediate assistance from your office to ensure my rights as a homeowner are upheld.
Product: Credit reporting or other personal consumer reports

I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my consumer profile Theres a Hard Inquiry on EXPERIAN for Resident Verify on XXXX which is fraud and misuse of my personal information THIS IS MY SECOND REQUEST on this matter EXPERIAN is complying to my report of fraudulent this has cost me aggravation and cost me $ XXXX or they leave me know choice to move towards LITIGATION I need this removed immediately this is fraud thanks.
Product: Debt collection

Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.
Product: Debt collection

See attached document ... has all details ..., the customer service of this hospital is terrible... they are not helpful, nor do they own their mistakes...
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : account # XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing expressing Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Capio Partners just showed up on my Credit Report. I have not received any notification of a Debt owed nor any documentation on the account it is in regards to.
Product: Credit card or prepaid card

In early XXXX, I miss my payment, I gets the call from u.s bank about missing payment after 30 days, I told them I didn't received any Bill yet can you Re send it then I wait again for the statement never received I went to the branch to make a payments they told me we already reports to CRA. I said well I request the statement to pay which I never received it. Why did this. Answer was you did pay your Bill. In XXXX I request to be removed from my report, I mail in the request to one of the u.s bank that are in charge of reporting, the branch gave me the address where to be mail to, I receive tge answer without fixing the problem, in the response was all information are accurate we can't remove it. So please can you help me to fix this issues. Thank you
Product: Debt collection

I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had 6 lines on my account. XXXX mailed out SIM cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be three of four days before I could try a new SIM card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another carrier. A few days later I received a bill from XXXX for {$670.00} for less than 24hrs of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a nonworking product and horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The reporting of inaccurate information by the above companies has affected my character, my reputation, livelihood, and ability to obtain credit and a house. 

These companies have affected my livelihood and knowingly continue to break all the ( FCRA ) laws that are put in place to protect the consumers. 

These agencies have removed the below accounts once I make a complaint with the Consumer Financial Protection Bureau then they will RE- ADD the same accounts that were deleted after they feel the investigation with the Consumer Financial Protection Bureau XXXX done or closed. 

They continue to SEND ME MAILED LETTERS SAYING THAT THE FURNISHERS HAVE VERIFIED THAT THESE DEBT ACCOUNTS BELONG TO ME, THAT IS NOT ( ACCURACY, COMPLETENESS, & VERIFICATION ). 

The below accounts continue to violate my rights in Pursuant to section 611 ( a ) Of The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumers credit report alleged by the consumer to be inaccurate.

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX
Product: Mortgage

Annually since closing on our mortgage and having it sold to XXXX XXXX XXXX in XXXX, XXXX, they have failed to pay my property tax on time out of our escrow account. I always upload the property tax bill ( despite being assured by the town that both XXXX and myself receive a copy ) and then I always receive a delinquent notice from the town of XXXX, Maine, and have to call XXXX and prompt them to make the payment. They annually have to send me a " Taxes Paid After Due Date '' notice where they tell me the bill was paid and the late fees were covered. 

In XXXX I told them I was happy to work together, but that we were going to find the root cause of this so that it does not happen every year. I confirmed the contact info and payment methods from XXXX, Maine, and I also provided the town of XXXX with the full contact information from XXXX. They told me the issue was resolved and once again they sent me a " Taxes Paid After Due Date '' notice. 

Then on XXXX first we picked up a certified letter from the town saying that my XXXX Property taxes were never paid and that we have three weeks to make the payment or a lien is going against our home. We spent hours in the town office trying to talk to XXXX, who first claimed they wired the payment ( to where? ) and then claimed right after that a check had been mailed, despite all the money sitting in my escrow account still and the town never receiving the check. The address to send the check to was confirmed over the phone, and the call center rep said he was not authorized to send checks but that he would forward the case to someone who could within 2 days. 

The following Friday XXXX called and told me the issue was fully resolved, and the XXXX and XXXX taxes were paid. I asked them to clarify what they meant by paid, and through what method, and after some stumbling and circular questions they told me that a check had been sent by certified mail and was confirmed delivered ( Mind you, the XXXX town office isn't open on XXXX... ) So Tuesday ( XXXX, today, ) when the town office was open again, I called to see if the check was there, and it was not. 

At best, XXXX is definitely guilty of serious negligence and carelessness. I should mention that every past notice of Taxes Paid After Due Date from before XXXX is magically no longer in the message center on my account. This time I have printed this year 's statements and I have the past years ' email notifications of when the statements were uploaded to my account as proof that they used to be there. 

I am left feeling like I have two weeks to pay my property tax out of my pocket despite a full balance of money I responsibly paid sitting in my escrow account. Some serious transparency and process review is needed. I'm certain this broken system has left others who are not healthy enough, educated enough, or privileged enough to fight for themselves with permanently damaged credit scores, if out being outright unhoused. Thank you for your review.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX