23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan modification with bayview loan servicing i submitted a complete package my income and financial situation has improved and i would like save my home, my loan application was denied by bayview because it wasn't in there best interest to modify my loan because my property is upside down, this is the reason I`am seeking a loan modification after hearing this i did some research and discover several things that were wrong with my loan, first off the company that originated the loan was located out of the State of California the transaction and process of my loan was completely done over the phone, i didn't receive disclosures regarding loan, documents to read and understand the loan, nor did have any options for any other types of loan products, nor was there a right to rescind the loan included in the documents, but the biggest issue of all was the Truth in lending stated one rate of interest and the mortgage note stated another rate also the first mortgage statement had yet another rate of interest which governs the payments and loan balances. now bayview is stating that i owe a certain amount and i believe its a different amount which is the heart of the matter and why bayview loan servicing has denied my loan for modification, this was a bad loan from the start and i know that there are many federal laws that have been violated by the lender of this subprime loan, so a federal lawsuit is also a option on the table,
Product: Debt collection

I am a XXXX year old XXXX who lives alone. I have XXXX debt and an XXXX credit score. For almost XXXX years I have been receiving countless robo calls from TransWorld Systems , Inc . It identifies itself as a debt collection company and that the purpose of the call is to attempt to collect a debt. My telephone caller ID always shows the company name as " unavailable ''. I never answer these calls. I also have never received anything in writing about any alleged debt. When I google this company, I see many other complaints about its tactics and ethics.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of Identity Theft. I have NOT opened, benefitted, or authorized anyone to open any accounts in my name. 
XXXX XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. Also, the Credit Bureau is reporting fraudulent accounts on my profile. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have been building my credit the past 2 years. I opened a Grain account about a year ago and the payments are set to automatically draft from my account. I just received a credit alert stating my credit score dropped 40+ points. I logged into the Grain app and it says my bank account disconnected from the app. The money is and has always been available. I have not received any notifications from Grain to notify me the payment was past due or there was system issue that my bank account to disconnect from the app which caused the payment to not draft successfully. This is absolutely unacceptable as consumers should not have to pay for this companys mistake. This can make or break ones credit worthiness as I am in the process of trying to buy a home. This company is affecting peoples livelihood and the whole purpose of their service is to build credit. They require you to link your banking information so the payments can be automatically drafted. No attempts were made to contact me or notify me of a system issue as I was expecting the payment to automatically draft as usual. The purpose of ACH payments is to avoid late payments. Their system failed me.
Product: Credit card

My XXXX credit card was closed and sold to FNBO my minimum payment was around XXXX dollars a month now with fnbo it is XXXX dollars per month they are charging on top of interest a schedule fee that is crazy its high way robbery
Product: Credit reporting or other personal consumer reports

RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Experian I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with * original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, 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: Payday loan, title loan, or personal loan

WENT ON XXXX TODAY AND GOT AD FOR CONSUMER LOAN FROM ONE MAIN AD INSTALLMENT LOAN TO HELP WITH BILL CONSOLIDATION. THEIR AD ARE MISLEADING THE CONSUMER! ATTACHED SEE THE ATTACHED TRANSACTION START TO FINISH. ALSO, THEY ARE NOTORIUS FOR PULLING PROMO-INQUIRIES AFTER OPTED OUT, ONE MAIN IS VIOLATION ALL 50 STATE DECEPTIVE TRADE PRACTICES ACT AS WELL AS THE DODD FRANK WALL STREET REFORM & CONSUMER PROTECTION ACT. ( TITLE X ) AND NEED TO CHANGE THEIR BUSINESS MODEL AND INFORM CONSUMERS MIN SCORE AND THE FACT DO NOT DO BUSINESS IN ALL 50 STATES.
Product: Credit card or prepaid card

On XX/XX/2019 I made a payment of XXXX that covered my minimum payment that was due XX/XX/XXXX then on XX/XX/XXXX I made a early payment of XXXX that covered my minimum payment for the month of XXXX. On XX/XX/XXXX I get a text from synchrony saying that I am delinquent on the above account. I called the company and they told me that all they could do was remove the late fees but they could not take off the amount I supposedly owed for XXXX even though I already made a payment toward that. So now I owe XXXX as a minimum payment for the month of XXXX, which I believe to be unfair.
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, 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, credit repair services, or other personal consumer reports

on XX/XX/2018 I opened disputes of debt validation with all 3 credit reporting agencies. Equifax, XXXX, and XXXX. Equifax and XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX and Equifax tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Product: Mortgage

I have a refinance application through SVI Group inc, XXXX XXXX ( the company ), XXXX # XXXX, XXXX # XXXX. XXXX XXXX works on my loan process, all communication with XXXX XXXX XXXX to company 's email account, ower of the company, XXXX XXXX XXXX XXXX XXXX XXXX can review. 
On XXXX XXXX, XXXX, XXXX XXXX offered 3.625 % 30 years fixed, no cost no fee on my investemnt property, total loan amount {$340000.00}. I agreed and let the company work on my loan. 
on XXXX XXXX, XXXX, I signed all docs ( including tax transcript request form XXXX ) and sent back to company On XXXX XXXX, XXXX, the company locked the rate at 3.625 % for my loan. 
On XXXX XXXX, XXXX, the company ordered tax transcript to IRS. 
On XXXX XXXX, XXXX, I felt the loan process was dealyed and sent email to ask the progress, XXXX XXXX replied it only has XXXX condition ( not mentioned what condition ) and the loan will be closed by the end of that week. Later on same day XXXX XXXX ), XXXX XXXX sent me email say tax transcript was rejected, and I needed to prepare by myself ( not mentioned how many transcripts ). 
On XXXX XXXX, XXXX, I prepared XXXX tax transcipt, sent to the company, no reply on that day. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX XXXX more transcript, I prepared XXXX, XXXX transcript, and sent to them at XXXX. At XXXX, XXXX XXXX said they would upload to lender ASAP. 
On XXXX XXXX, XXXX, I sent emali to ask how to process my loan since the lock was going to expired. XXXX XXXX said if the lender cleared to close before the lock expired XXXX XXXX/XXXX/XXXX XXXX, they would extend my loan, otherwise they would relock. 
On XXXX XXXX, XXXX, Friday at XXXX, I sent email to ask the company extend my rate, XXXX XXXX replied at XXXX, said the loan was not clear to close, and the rate had gottern better, they would continue monitor for relock at 3.625 % for me. 
On XXXX XXXX, XXXX ( Sunday ), rate expired. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX sent me email said the loan was clear to close, but the rate was deteriorated and gave me the updated market ( 3.75 % ), I could n't agree to higher rate than 3.625 % as they offered. 
First, the company offered 3.625 %, then they got the job to work on my loan, they should close loan at 3.625 %. 
Second, the company delayed to order transcipt to IRS ( I sent all document on XXXX XXXX, XXXX ), they ordered on XXXX XXXX. It 's 20 days ' delay. 
Third, the company should let me prepare tax transcipt earlier, not as they did at XXXX on XXXX XXXX, only 7days left until the rated would expire. 
Fourth, the company 's delay caused my loan delayed, they should take responsibility to extend my rate, but they did n't, and told me the rate had gotten better and would relock at 3.625 %. But they never relock at 3.625 % since then. Now the rate goes up to 4.5 %, I lose at least XXXX points ( XXXX XXXX % = XXXX ) and appraisal fee ( {$520.00} ). I want the SVI Group inc, XXXX XXXX to cover my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} )
Product: Vehicle loan or lease

I reported to navy Federal credit union that the car was stolen and sold to someone else gave them a police report and everything and they ended up leaving it as a charge off on my credit
Product: Debt collection

I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report.
Product: Checking or savings account

Unauthorized charges withdrawn from my Wells Fargo savings account to a company called XXXX for a total of XXXX. Two transactions on XXXX for a total of XXXX dollars and XX/XX/25 total XXXX and XXXX. Total withdrawals XXXX. I emailed XXXX  got no response. Contacted Wells Fargo filed a claim number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian took over 30 days, and the original creditor and the collection agency did not respond to my certified letter, submitting additional documents. See attachment.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the reporting of a charge-off on my credit report for a JPMCB CARD account, which Chase Bank has reported as charged off with {$13000.00} written off. Their reporting is inaccurate and includes multiple misrepresentations regarding my payment history and the accounts status. 

Chase claims that I missed payments during XXXX, XXXX, and XX/XX/XXXX. However, this is factually incorrect, as Chase closed my account in XX/XX/XXXX. Despite this closure, Chase has continued to report alleged missed payments for months following the closure, which is a clear misrepresentation. Nowhere in their reporting do they acknowledge that they were the ones who unilaterally closed the account. This deliberate omission further undermines the accuracy and legitimacy of the reported information. 

Prior to XX/XX/XXXX, I made all my payments on time. My bank statements clearly show that all payments throughout XXXX and XX/XX/XXXX were made in full and on time. The absence of a payment for XX/XX/XXXX occurred only because Chase abruptly closed the account without providing me with any notice, documentation, or explanation for their actions. 

Chase has reported this debt as a charge-off and claimed a write-off for their tax purposes. However, they have not issued me a Form 1099-C, as required under 26 U.S.C. 6050P of the Internal Revenue Code for canceled debts exceeding {$600.00}. Their failure to issue this form calls into question whether the debt has truly been canceled and whether the charge-off was properly reported in compliance with the law. 

Violation of the Fair Credit Reporting Act The continued reporting of alleged missed payments from XXXX to XX/XX/XXXX, despite the account being closed in XX/XX/XXXX, constitutes a serious violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that all furnished information must be accurate, complete, and verifiable. Chases actions have resulted in inaccurate and incomplete reporting, damaging my credit standing and requiring correction. 

Requested Actions I respectfully request that you investigate this matter thoroughly and take the following actions : XXXX. Verify Chases Reporting of Missed Payments : Require Chase to provide verifiable evidence of missed payments for XXXX, XXXX, and XX/XX/XXXX, given that the account was closed in XX/XX/XXXX. 
XXXX. Investigate the Account XXXX : Confirm that the account was closed by Chase in XX/XX/XXXX, and review their failure to disclose this closure in their reporting. 
XXXX Review the XXXX XXXX : Determine whether Chase has issued XXXX Form XXXX for the {$13000.00} charge-off. If not, this calls into question the legitimacy of the charge-off, and the notation should be removed from my credit report as unsubstantiated. 

Thank you for your prompt attention to this case. It is highly appreciated as it is deeply disturbing.
Product: Credit card or prepaid card

On these dates things was purchased that I was n't aware of and didnt pay for myself. I was unaware of this until I looked at my account. I thought I was loosing money but I did n't know how or where so please help me get it back.   Date :  XXXX   XXXX     2017 amount : {$75.00} Date  :  XXXX   XXXX     2017  amount : {$50.00}
Product: Checking or savings account

I am a XXXX that had a small business in XXXX, XXXX. My business closed at the end of XXXX due to the pandemic. I now require the statements from that account due to being audited by XXXX XXXX. Wells Fargo does not have the ability to send a text message to a XXXX phone number to verify identity. 

On XX/XX/XXXX I was able to speak to someone who was able to send me a code over email. I have since been told that that is impossible and I have been called a liar in not so many words.. I still have the email with the code. I have since made XXXX phone calls and wasted hours of my time trying to get to someone who is able to send a code by email. This has been almost a daily thing in my life over the last month. I have called branches that I dealt with, I have sent emails to people that I dealt with XXXX  years ago and no one has gotten back to me. 

Wells Fargo has made it impossible for me to get the information that I require for the audit.
Product: Credit card or prepaid card

On XXXX I noticed a charge for {$1000.00} at XXXX XXXX XXXXXXXX. I disputed the charge with Apple Card by Goldman Sachs Bank. They asked me to provide some proof that I was not in Florida. I sent them credit card transactions of purchases that I made with others credit cards in the XXXX XXXX XXXX area at there request. The GS customer support said that should take care it. It did not, then I asked for the evidence that was used as proof that I stayed at that XXXX. I was provided with a false LA drivers license that does not match my DOB or drivers license number or photo. As a GS BANK customer they use my DOB to verify me over the phone and fake ID has a different DOB. To me that should have proved I did not make the transaction. I also sent them a copy of my drivers and US passport ID card with photo to show the photos do not remotely match the photos of the fraudsters at the XXXX. GS Bank has yet to credit my account or resolve this case when they are not even matching the DOB and Drivers numbers to there own know your customer policy and Patriot Act standards. I have Bank accounts with them as well and they have my drivers license number and DOB as requirement to open the account. I would appreciate any help with getting this issue resolved.
Product: Checking or savings account

In XXXX 2020, I opened a checking and savings account which advertised to keep a minimum of {$50000.00} in the account for 60 days and I would receive {$700.00}. XXXX the {$700.00} wasn't there and I was told that after you keep the money in for 60 days, you have to wait 30 days in order for the {$700.00} would show up. I called back in XXXX because it had been another 30 days and the {$700.00} was not deposited. Then I was told to call back in XXXX if the money didn't show up. I called in XXXX and was told to call by the end of XXXX if the money didn't show up. I called the beginning of XXXX. I was told to talk to the manager in charge and was transferred. The manager stated that I had briefly opened the wrong account which was immediately closed. But since the account was approved, I wasn't entitled to the {$700.00}. This was after all the other phone calls had said that I did qualify but that I had to wait a certain period of time for the money to show up which didn't make sense to me. I had already waited the 60 days as advertised. It is now 6 months and the money isn't there. When I opened the account, the person was very kind on the phone and knew the wrong account was opened online. He made sure that the unused account was closed and he opened the correct one and promised I would receive {$700.00} at the end of 60 days and welcomed me to the bank. After all of this time, I could have banked with someone else had I known this would have happened. Now I have less than {$50000.00} and no {$700.00}.
Product: Credit card

I am a victim of identity theft and someone stole my personal information and identity to open a REVVI credit card account. The REVVI credit card account is a fraudulent account, not my account and is the result of identity theft. I have never applied for an account with REVVI Card. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX also XXXX XXXX is posting old information XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian now requires setting up an " account '' to freeze or unfreeze credit reports. However, I believe they are abusing this. I have received two completely unwanted marketing emails, the most recent XX/XX/2022. When I looked to unsubscribe, this is what appears on the emails : " Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. ''