23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have no knowledge at all about this account and this company is messing up my credit its reporting that the flagging my account with being 60 days late and if your not able to accurately validate a account per the fdcpa, that you cant be placing no negative information on someone credit bureaus, this company is very very wrong because they shouldnt allow someone to get any credit without proper identification to open up a account this company has failed so many people with opening up credit without properly information I can imagine all of the people that has a issues with this company and whats so sad is that they will call you and harass you about it and have these people to say you know you did it my husband is in the service trying to protect our country and this company is bogus on all levels and now they are reporting and flagging my account with fraudulent information its a pandemic out here and they dont care but to harass me without proper information
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and have a few different inquires on my credit report that I did not authorize. 
XXXX. XXXX ( XX/XX/2024 ) {$0.00} I got a phone line with them and they are telling that me someone tried to sign me up for the XXXX credit card. I did not ask them to do so. 

XXXX. XXXX XXXX ( XX/XX/2024 ) {$0.00} I have no idea what company this is and I never talked anyone to have my credit ran by them. 

XXXX. XXXX XXXX ( XX/XX/2024 ) {$0.00} I have no idea what company this is and I never talked to anyone to have my credit run by them.
Product: Debt collection

I have an unverified account from CMI. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

In XX/XX/2021, I was prequalified for a loan by XXXX XXXX of Bank of America in XXXX, AZ. Her NMLS ID is XXXX. I also was told I qualified for a downpayment assistance grant. On XX/XX/2021, I made an offer on a home and it was accepted. I paid an earnest money deposit of {$3000.00} and was told my closing date would be XX/XX/2021. For two weeks, I had not heard from XXXX or Bank of America regarding a time for the closing. I called, but XXXX never returned my calls. On XX/XX/2021, I was informed that the closing had to be pushed back because the underwriter wanted me to do another income driven repayment plan. I informed them about the moratorium on loan payments, but they insisted I needed an up to date plan. This decision made my student loan payments increase by {$200.00}. After I submitted the new plan, I was told the new closing would be XX/XX/2021. Once again, the day before closing, I was told I needed to submit additional information such as bank statements, etc. I submitted the information and was then told I no longer qualified for the grant program and I would have to pay 5 % down. I agreed, but the came back again stating I needed ANOTHER student loan repayment plan on XX/XX/2021 at the close of the business day. This made it impossible for me get the information because it was the XXXX XXXX XXXX weekend. 

There was a complete lack of communication by Bank of America. If I called, no one answered and I was called at the end of the business day each time documents were requested. The process was meant for me to fail and discriminatory.
Product: Mortgage

Date : XX/XX/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 XXXXXXXX, Per our discussion, we have locked the interest rate on your loan for the property located at XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, IL XXXX. The rate we have locked for your loan is XXXX XXXX. Enclosed are a XXXX XXXX, XXXX and Points Form, and any other related documents. Please take a moment to review each of these documents. Should you have any questions regarding any of these documents, please contact me as soon as possible at XXXX or by email at XXXX. 
Sincerely, XXXX XXXX XXXX My Open Response Back To Whom This May Concern : We need all timely filed records and official and legal records generating my signatures on the contract. 

Everyone clearly knows what I am asking for and requesting. 

Nations Lending Corporation needs to be sending me the Department XXXX XXXX XXXX XXXX and Department of Veteran Affairs XXXX XXXX XXXX and the Department of Veteran Affairs ' Appraisal record certification on this property on the proper starting date from XX/XX/XXXX - XX/XX/2022, and after XX/XX/2022, to this date. 

I still have not received any official and legal record from Nations Lending Corporation to support their statement or claim as to why this deal was not closed on the date and time it should have been closed. 

I still don't have your official and legal records from my employer or anything from my employer showing support records to support such a statement of record. 

If this is not discrimination, then please explain to me what discrimination under the law is. 

The attached records are returned for more work. I am not going to agree to end anything until I get the PROPER RECORDS that I am asking for. 

This process is very simple people. I do business that is legal, accurate, proper, and correct, and not business just done any kind of way that is not legal, accurate, proper, and correct. Explain to me what I did wrong and what I failed to do in this process, and I will counterclaim your statement with my PROPER RECORDS. 

As soon as Nations Lending Corporation turns over those professional records they should have verified by now and if the seller still wants to terminate this agreement, then he can do so. 

Nations Lending Corporation should be talking to my legal counsel of records on file to get any legal records they may need or should have used in the parts of this process ; therefore, your records must be PROPER RECORDS and sworn and certified under a sworn affidavit under oath with proper signatures in blue OR black ink. 

All your records will be used and are needed in other legal records. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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 l seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( 2017 ) I have been trying to get accounts removed from my credit report since XXXX of 2017. I have more than 27 accounts that have been placed in a derogatory state. I have been working with all 3 credit bureaus to get these accounts removed. I have been getting push back. Instead of the CB removing the accounts because they are more than seven years old, they changed the status of the accounts to paid as agreed. I need to have these accounts removed due to the fact that I have suffered enough in having poor credit. I 'm trying to ensure that my credit gets repaired but how can I with inaccurate information on my credit report. I have been dealing with this since XXXX of 2017 and now it 's almost XXXX. This ordeal needs to be resolved before the end of this year or sooner. I have XXXX and this is making my symptoms worst. I NEED HELP!!!!
Product: Checking or savings account

I am filing a complaint against Capital One. Regarding the deceptive practices related to their XXXXXXXX XXXX XXXX, saving account capital. One misrepresented the XXXX savings account as having XXXX of the nation 's highest interest rates yet failed to notify account holders about the superior rates offered by the XXXX performance savings account did deliberately obscruny and lack of transparency violated XXXX and resulted in significant financial losses for many breaching the consumer financial protection. And the truth in savings app, I seek redress for the mislead practices and failure to fulfill their XXXX promises
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license and SS Card, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/18 with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter. 
Filed identity theft with FTC on XX/XX/18. 
Placed fraud alert on XX/XX/18. 
Filed police report on XX/XX/18. 
Filed certified with credit bureaus on XX/XX/18 with return receipts. 
Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.
Product: Mortgage

My mortgage loan account XXXX used to be with community loan servicing llc my property address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my social XXXX year of birth XXXX I was approved for a loan modification my first payment would be XXXX due XXXX XXXX with a grace period it was approved by Mr XXXX XXXX title asset manager phone XXXX XXXX XXXX faxXXXX  XXXX XXXX. On XX/XX/2021 I got fed ex agreement I affect the modification. .my complaint is that my loan was sold to a new servicing company called Selence finance their phone number is XXXX XXXX XXXX my new account number is XXXX my name on loan XXXX XXXX XXXX 3 social security number is XXXX and my year of birth XXXX I was advised by my prior lender XXXX  that the new lender selene finance will honor my loan modification. But when I called serene finance at XXXX XXXX XXXX they told me XX/XX/XXXX that my information from XXXX XXXX XXXX  XXXX  is not in their system yet and once it is I have to do modification all over again. I talk to prior lender at XXXX XXXX XXXX XXXX Mr XXXX XXXX that did approved me. At phone XXXX XXXX XXXX. That serene finance has to honor that modification that approved by the investor.
Product: Mortgage

Suntrust foreclosed without written notice. 
I have enclosed the actual notice that was received 5 days after the home was foreclosed on. 
I have enclosed the time stamps on the post offices letters.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

My lease is currently with KIA MOTOR FINANCE. I am trying to refinance this leased vehicle with another lender. I have requested a lease-end buyout quote in writing on KIA letterhead on five different occasions : Date Time EST # called Item requested result XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received I am not sure how else I can obtain this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

i already pay GAP Credit card i think XXXX XXXX
Product: Credit card

I attended a timeshare presentation for Wyndham resorts while traveling out of town. I was informed my personal information that I provided, like social security number, was needed to ensure I have not attended a previous presentation. Unbeknownst to me, the forms I entered my information on was a credit application, the individual reviewing the forms with me covered the details with their hand as they were quickly providing an overview of the page. I asked several times if this was going to result in a credit card and was advised it would not. I also advised the multiple sales representatives several times that I was working on opening a mortgage, so I could not have any new credit accounts or inquiries. I found a credit card was opened when it was mailed to me after the timeshare sales presentation. I was told the signature I provided was to ensure I would never attend a presentation again because I had declined to purchase a timeshare. I closed the card as soon as I was aware, no charges were ever made to the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 an account without my written instructions 15 U.S.C 1 681c. ( 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-2 ( A ) ( 1 ) A person shall not 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: Mortgage

My mortgage was sold to SLS Loan Servicing XX/XX/XXXX, along with XXXX in late fees. XX/XX/XXXX I paid {$790.00} regular payment, {$770.00} past late fees and {$270.00} additional principal. XX/XX/XXXX I paid {$790.00} regular payment and {$270.00}. On XX/XX/XXXX I called SLS to find out why my account was still showing a past due amount and I was told the additional payment was applied to the next months statement and not to the past due as I requested. I have tried numerous times to get this rectified without any success. In addition in XX/XX/XXXX I received an escrow shortage notice stating my new payment starting XX/XX/XXXX would be {$790.00} if I didn't pay the shortage. I didn't pay the shortage and started paying the new amount of {$790.00} but now the mortgage statement is showing an uncollected escrow amount of {$24.00} additional. Again, I have tried unsuccessfully to get this resolved with my mortgage company and I am frustrated as to what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. I am requesting that all accounts identified below be blocked and deleted from my credit report, as they are not authorized by me and have resulted from unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$9200.00} In addition, I request that any inquiries related to the fraudulent activity also be removed from my credit file. Below are the inquiries linked to the fraudulent accounts : Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I disputed this account numerous to time to no avail. Experian has not sent me information stating how they verified that this account is mine. I called and they said the company had send them verification which is my name, date of birth, and address. They have not properly investigated this account. I disputed the account XXXX more time on XXXX XXXX, 2015 and I just pilled my credit report and it states : this item was updated from our processing of our your dispute in XXXX 2015. I disputed this account on XXXX XXXX, 2015 and today is XXXX XXXX at XXXX. How can they claim the response came from a dispute in XXXX and give me such a fast response. I believe experian did not do a full investigation on my dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX ( XXXX XXXX XXXX ), the company which performs servicing duties for my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX account stating that their company was the target of a cybersecurity incident which ultimately compromised the personal information of their customers. Oddly, the XX/XX/XXXX email contained no details about how consumers information was impacted or how this breach affected the operation of their systems. 

On XX/XX/XXXX, another email communication was shared stating that their servicing website and phone systems were restored. It stated that consumers will not incur any fees, penalties, or negative credit reporting related to late payments as they worked to resolve their issues. I attempted to make a payment twice in XXXX ; once on XX/XX/XXXX which was unsuccessful due to the website experiencing issues, and again on XX/XX/XXXX which was successful. 

On XX/XX/XXXX, I submitted another payment via the website for {$3800.00}. I did not see a deduction from my account after two weeks and consequently, called XXXX to inquire. They stated that they could not see a payment on their end and advised that I resubmit. Given that it was the end of the month ( XX/XX/XXXX ), I asked if I would be subject to late fees and have my account reported due to this issue, however they said there was nothing that could be done on their end as reporting is automatically triggered to each credit bureau at the 30-day mark. I resubmitted my payment in XX/XX/XXXX and it ultimately cleared on XX/XX/XXXX. 

I received notification from XXXX XXXX on XX/XX/XXXX that my Transunion report was updated with the XXXX late payment from XXXX XXXX XXXX. As a result, both my payment history metrics and my score have been negatively affected. It is unclear whether the website payment platform issues experienced in both XXXX and XXXX are connected to the breach. 

My desired outcome is to have the late payment removed from all three credit bureaus and have a correction submitted via eOSCAR. My account was current prior to the XXXX issue as were all my payments thereafter ( XXXX - now ). 

Ive included supported documentation and can be reached at the contact information above if any additional information is needed.
Product: Bank account or service

Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.
Product: Mortgage

I closed on my loan with Fremont Mortgage on XX/XX/XXXX. I was approved for loan modification 2x in XXXX. I was approved for another loan modification thru Ocwen Mortgage in XX/XX/XXXX with trial payments starting in XX/XX/XXXX. After the trial payments Payments began. The loan modification shows {$52000.00} be removed from the mortgage for 3 years. Ocwen then turned over my account to PHH Mortgage Services, XXXX  XXXX NJ who then turned it over to XXXX Collector ; XXXX ; email : XXXX XXXX has added added additional money to the new modification by going back to the original loan
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 seek appropriate redress.

I submitted a transaction for services with a vendor. I paid the vendor {$500.00} and they never delivered the services. This occurred XX/XX/2023. I told Cash app customer service about the matter and requested that they force a refund as I requested one from the vendor and it was rejected. I was told by cash app there was nothing they could do. This goes against the Electronic Funds Transfer Act. Please see page 3 of the attached document for evidence and the conversation with support. I would also like to note that there was no one to call. I had to text a support line and ask for help which is apparently what Cash App is being sued for by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect personal information on my credit report.