23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan was recently transferred to Fay Servicing. Account Manager I am assigned XXXX XXXX extension XXXX. Email is XXXX. His manager is Mr. XXXX email is XXXX I have explained in the past month that we have a permanent HAMP modification on our loan. Under HAMP guidelines we are in good standing with our loan as long as we do not go over 90 days late.

We have never gone over 90 days late. However since our loan was transferred over Fay Servicing issued us a notice of default before we were 90 days late and now refuse to accept our monthly mortgage payment. They are stating we need to make all three months payments or they will not accept payment. 

With them not accepting our mortgage payment this month after XXXX ends we will be in default under HAMP as our loan will be over 90 days late. We currently owe for XXXX, XXXX and XXXX. We have been attempting to make XXXX 's payment for the entire month of XXXX with no success. 

I have explained this to them over and over and no help has been provided. We never had these issues with our previous servicer but now that the loan has been sold they are not acknowledging that we have a permanent HAMP modification. 

Taken from Making Home Affordable Handbook V5.1 page 136 chapter II : HAMP section 9.4 Re-Default and Loss of Good Standing If a borrower defaults on a loan modification executed under HAMP ( delinquent by the equivalent of three full monthly payments at the end of the month in which the last of the three delinquent payments was due ), the loan is no longer considered to be in good standing. Once lost, good standing can not be restored even if the borrower subsequently cures the default.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc ) due to inadequate customer and unfair practices that 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 losses. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I receive an email from XXXX thanking me for applying for a XXXX XXXX XXXX credit card. I also received an alert from Experian notifying me that my credit file had been updated. I logged into my Experian account and noticed that XXXX XXXX  XXXX  received a copy of my Experian Credit Report. I have never applied for any XXXX credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all XXXX  bureaus and asked them to submit a fraud alert. I called Experian to dispute the hard pull on my credit and will also be calling XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 I disputed my on XXXX public records two XXXX that should not be appearing on under my credit report. I have gone ahead and contacted XXXX and the have also verified plus mailed me a copy of my latest report ; they do not have any XXXX on my XXXX report. XXXX has failed multiple times to properly verify this information and have yet to remove it from my credit report. 

Equifax, has also been contacted and filed disputes on XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and has failed to remove the one XXXX 

Attached with this message is a copy of the XXXX report. On page 46 you will note I do not have any bankruptcies on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX 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 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

While applying for new loans, I found out that two of my student loans were in default during the time that I was enrolled in school.

I have contacted the Heartland ECSI 4 different times, and every time, I receive new and contradictory information about the status of my loan

s in default. Phone Call 1 : I was told that the only way to get my loans out of default was to get on a payment plan and show 6 months of payments. Phone Call 2 : I asked for information about in school deferment that was submitted and the rep. t
old me that I did not submit those forms and that I needed to contact ECSI directly when this was never the process. Also, the loan that I was attending during the time of deferment was serviced by ECSI. I asked to speak to a supervisor, and the rep told me that I needed to hang up to speak with another rep. because a supervisor wasn't available. I also asked this rep to walk me through the wesbite where I can find signed documents that shows policies, and they do not exist on their website even though they are my loan servicer. I was directed to contact my former school. He also informed me that I was supposed to contact ESCI directly, even though the XXXX XXXX clearly states that no information will be received from the student. But my school did it on my behalf. 

Phone Call XXXX : I spoke with another rep who gave me helpful information that if the school can prove that they submitted an in-school deferment on my behalf, they could get my loans out of default. Even though he believed that did not happen because it was not reflected in the system. 

I called my school, and they said they submitted it through the XXXX XXXX. 

Phone Call XXXX : I spoke to another person, and she was most helpful but was sharing contradictory information. She first said that she could not see that my former school submitted anything, but she checked the back office and said that they saw it. However, it couldn't have been applied because I was already under a bankruptcy deferment. I asked how would a student know that. She said it would be on the website and that I would have received a notification via email about it. I asked her to walk me through the website, and after about XXXX minutes, she said that information was ONLY available to the back office team. But ensured me that they did their part. I told her that was untrue. If my school submitted an in-school deferment, and when the bankruptcy deferment expired, then the school deferment could have been applied. She informed me that I should have reached out to ECSI and asked for one that was already submitted by the school.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX on XX/XX/XXXX. I used funds I received from my local lender to pay this off. XXXX said they sent me my title on XX/XX/XXXX however they did not. I have since then been attempting to get my title for my current lien holder however XXXX has been uncooperative. They instead of providing me the title signed over, they sent a letter of no interest and a bill of sale which is not acceptable by Minnesota DMV standards. We ordered a duplicate title in XX/XX/XXXX and it has now been returned to Hyundai Motor Finance since XX/XX/XXXX. They have acknowledge they have the duplicate but have not released it. I've called multiple times, and requested I writing for them to release this by sending it to me using my own XXXX account for tracking purposes. Each time I call, they do not provide me with any updates other than it could take 7-10 business days for a reply. Its now been over 5 weeks and still no response. When I try to escalate this to a XXXX they say all they can do is send an internal email as well. I even had one gal set the phone down and ignore me when I asked to speak her XXXX. I need help getting them to respond. I'm paying {$250.00} a month, and I can't sell my car without this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 a victim of a data breach that occurred on XX/XX/year>. This breach resulted in the unauthorized access and exposure of my personal information, including [ specify compromised data, such as Social Security Number, financial details, or other sensitive information ].

I became aware of this incident through notification from the affected company or suspicious account activity. Since the breach, I have been at risk of identity theft and fraudulent activity, which has caused significant concern regarding my financial and personal security. 

I request immediate assistance in addressing and resolving any unauthorized actions or inquiries related to this breach. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX made a fraudulent hard inquiry to my Transunion report. Transunion has instructed me to contact each company posting a fraudulent inquiry, individually. Attaching relevant police report I filed for identity theft.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA 605B dictates the eradication of inaccurate accounts from my credit report. Could you kindly inspect the documents? The presence of inaccuracies in some listed accounts is unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. 2023 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Credit card or prepaid card

In XX/XX/XXXX I have purchased two {$25.00} egift cards from XXXX XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX the cards were refused at the XXXX XXXX store # XXXX in XXXX XXXX, CO stating that the cards are invalid as the PO system is not taking them. I have called XXXX XXXX and they stated that the XXXX will only honor cards sold by the XXXX XXXX directly online or in its stores and it does n't honor or address issues with cards sold through a third party such as XXXX. I have contacted XXXX and I was told that in their they the cards are valid and it is XXXX 's problem if they do n't honor them. 
The remaining balance on the cards is {$28.00} and I expect a refund for the balance I can not use. It is truly reprehensible that XXXX does n't feel any responsibility for the financial products its sells and it is just unwilling to offer any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting obsolete information in which I am asking again for the old accounts to please immediately be removed. I have contacted Experian and they have not removed the old accounts. All accounts exceed  XXXX  years in which easily verified by dates opened. The accounts are not attached to any other accounts and within removal date status. I am attaching a previous request sent to Experian requesting the following accounts which exceeds  XXXX  years of age to be deleted from my credit file. Again I am asking for the following old accounts to be removed as they are too old to be on my credit file.       XXXX   XXXX    XXXX  ... .Date opened  XXXX    XXXX    XXXX  ... .Date opened  XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ...  XXXX  opened  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  ... .Date opened  XXXX
Product: Debt collection

On XX/XX/year>, I identified an issue with XXXX XXXX XXXX regarding an inaccurate debt collection entry on my credit report. The amount in question is {$9900.00}. 

To resolve this matter, I took the following actions : On XX/XX/year>, I submitted a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
In response, I was informed that XXXX XXXX XXXX no longer owns this debt and that it has since been transferred to XXXX and subsequently to XXXX XXXX XXXX. 
Despite no longer owning the debt, XXXX XXXX XXXX continues to report this account on my credit file, which constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ). 

As XXXX XXXX XXXX is not the current owner of this debt and can not validate it, they have no legal basis to report it. This false reporting is causing harm to my creditworthiness and must be removed immediately. 

I formally dispute this collection account and request that the Consumer Financial Protection Bureau investigate this matter. I also request the following actions : XXXX. Immediate removal of this erroneous debt collection account from my credit report. 
XXXX. Verification and documentation from XXXX XXXX XXXX proving their legal right to report this debt. 
XXXX. If they can not provide valid documentation, a formal acknowledgment that they will cease reporting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

The company, Wells Fargo, keeps failing to send me my monthly statements to make a payment. This is something I have brought up to their customer service department. The only statements I receive are the ones that charge me late fees ( when the payment is obviously part due ). 

I have informed them that I'm not getting the statements at all and have failed again and again to rectify this issue. So far I have had to pay 3 late fees of {$28.00} each for this issue. When I have spoken to their customer service representatives, they check my address and tell me that everything is fine. So far, they have failed to send me a bill at least 3 times.
Product: Debt collection

I contacted Hunter Warfield about this collection/debt. They stated that someone name XXXX XXXX used my social security number. They stated that I needed to file a police report so I did. They told me to fax the paperwork to them and they would investigate and clear my report. I haven't heard from them and its still on my credit report. 
The amount owed {$5100.00} on XX/XX/2016
Product: Credit card or prepaid card

This complaint is related to a XXXXXXXX XXXX XXXX that is provided through Synchrony Bank. 

I reviewed my statement for XX/XX/2022 and noticed several charges that I did not make or authorize at gas stations that I do not go, in locations I don't go to. I was surprised that the charges were for other brands of gas stations ( XXXX ) than what the card is actually issued for ( XXXX ). 

As soon as I became aware of these suspicious charges, I called the customer service number and they transferred me to their fraud department. I reported these suspicious charges. They told me it would take two months to investigate and they told me to continue to pay my bill. During the time that the fraudulent charges occurred, the company had increased my credit limit, which allowed the fraudster to charge more. 

I never heard back and so I called again in XX/XX/2022. They told me that they did not have a record of my report and that they would document the matter and start to investigate it. I waited and nothing happened. I told my daughter about this stressful situation and she called the fraud department on XX/XX/2022 to determine what was happening. They still did not have a record of the report. My daughter and I filed yet another report and got a claim number ( XXXX XXXX ) so we could have a record. They said it would take 60 days to complete the investigation. 

I received a letter on XX/XX/XXXX that stated " Good News! We completed a review of the claim on your XXXX XXXX XXXX account and found no fraudulent activity. The purchases in question were pending charges not billed to your account. Pending charges may appear as temporary authorizations before an actual purchase is completed. This commonly occurs at gas stations, restaurants, and online. If the purchase is not completed, the pending charge is removed. It's important to always review your billing statements for any unauthorized account activity. Find more information on how to protect yourself at synchrony.com/protect. If you have questions, please contact us at XXXX. We appreciate your business and hope you continue to enjoy your XXXX XXXX XXXX account. Sincerely, Your Synchrony Fraud Solutions Team. We're Here to Help XXXX. XXXX. '' Also, on the letter there is a visual that has a lock image and it states " {$0.00} Fraud Liability = You're never responsible for unauthorized charges. '' After I received this letter, I continued to receive statements with the same charges. I have tried calling the number on the letter and they are not available 24/7. I feel helpless, cheated, and truly don't know what to do anymore. And I continue to have fees assessed on the outstanding balance.
Product: Credit card or prepaid card

I made an initial credit card payment on XX/XX/30 for {$500.00}, which has not been reflected in the online account information under " available balance '' even though it's reflected in the " Current Balance ''. I received a credit card statement on XXXX, which reflects the payment in both the " Statement Balance '' and the " Available Credit, '' yet I can't make purchases because the payment hasn't been reflected yet in the online account. The funds have also already cleared my checking account, which happened on XXXX. 

The information that they're providing on the online account and the credit card statement is not consistent, and they are holding my funds hostage even though they have the money and it's cleared my account. 

Apart from this, this isn't the first time I've run into problems with their credit cards. This is just the first time it's impacted my ability to make critical purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company XXXX XXXX I have paid more than XXXX years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Product: Debt collection

they never sent me the info I requested, the phone calls continued, they threatened a law suit now I rec 'd docs for a small claims suit.
Product: Checking or savings account

I paid {$30.00} stop payment at Chase Bank for XXXX XXXX XXXX XXXX because I did not want to pay this debt because it violated the contract that I had with it. XXXX is the collection agency for Chase Bank which is the reason Chase did not follow though on the stop payment. Chase Bank charged me overdraft fees in the amount of {$360.00} I have contacted Chase Bank but the issue has not been resolved. My account is not accessible because I have a negative {$360.00} and Chase Bank want me to pay this amount to bring my account current. XXXX has stated it will continue to present a draft each month for {$230.00} to Chase Bank.