23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Chase Auto Loan Account Number XXXX had a listed balance of {$930.00} as of XX/XX/XXXX on a loan that matured onXX/XX/XXXX which should have been the last payment. The payoff quotes stated projected payoffs of {$1200.00} if payoff was done on XX/XX/XXXX,  and a separate payoff of {$1200.00} if paid off on XX/XX/XXXX <P/>The loan was created at the dealership with a {$320.00} monthly payment but a calculated amortization shows payment of {$320.00} a month. A request was done to Chase Auto Finance on 6 different occasions to get a copy of an official Amortization Schedule to confirm the calculations of the payment and interest allocation over the life of the loan. Each copy received had {$0.00} in each row and column for Principal, Interest and Balance.
<P/>
I have contacted Chase to settle to correct balance contingent on a Amortization Schedule. They have since sent the account balance to a collection agency who attempted to settle the balance but unwilling to correct the 3 lates on my credit report. <P/>I believe it is Chase 's responsibility to validate the debt they say I owe. I made all 60 payments on my loan and should not have an outstanding balance of over {$900.00}. Payment history will show that even on later payments I paid more than the minimum as well as payments that were on time.
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 violates 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 action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This complaint is about the process of one mortgage company selling to another. This happened to me during the month of XXXX which I became aware of in XXXX. This sale was done with NO notice to me and was sold a couple of times. The first company was XXXX, which was the company that originally financed my mortgage. It was sold to XXXX XXXX a year ago. Then sometime in XXXX, I assume, was sold to another company that do not know the name of and now Shellpoint Mortgage Servicing holds it. According to the letter I received from Shellpoint, they took ownership on XX/XX/2019. Almost 2 weeks later I started receiving all of Shellpoint 's  mailings including a statement with a {$2100.00} payment due by XX/XX/2019. Now I have taken out a loan to catch up on this and have no idea how I am this far behind in payments besides the fact that these mortgage companies are aloud to add fees on a practice that they don't inform people about or at least a lack of information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I have been monitoring and working on my credit. I have been checking with Experian which is the agency that I have the issue with. For the last few months my score has slowly risen to a decent rating. Recently, I reduced all credit card usage to 0 % utilization and consolidated my student loans. My Experian score adjusted down 14 points as a result of this. My score was at a XXXX and then took a 14 point dive without any reason an or cause. There would be no reason for my score to decrease when I have actually decreased my overall debt obligations and have limited the amount of credit usage below the recommended 6 %. The other issue I have is with this agencies handling of accounts being added to reports from frivolous sources. I have been working hard to fix my credit. It just seems that Experian continues to try to keep consumer credit scores from hitting the " GOOD '' rating. My credit score should have hit the " GOOD '' range with this update, however, I take a credit score decrease after XXXX  off all balances, this makes no sense and it makes no sense how XXXX  and XXXX  have all updated with the same info and have placed my account into a good status. I have also tried to contact Experian by phone several times and at no point can I speak to a live agent. The line disconnects while you are on hold forcing you to start over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did NOT protect my identity and my personal information once the company realized it experienced a major hack. The hack happened in XXXX XXXX ; the company reportedly found out in XXXX XXXX ; the company did NOT notify me or anyone else that they, or I, experienced the hack. It did nothing to protect me or any other consumers during this time. To find out in news in XXXX XXXX, 2-4 months after major security leak occurred, the company has breached its duty to consumers. This is unforgivable when identities of > 100 million people are at stake and caused lifelong repercussions of this irresponsible act. The first act of being hacked is a shame, however, as custodian of sensitive and critical information of people 's lives, the company betrayed the trust of its consumers when it severely delayed notifying consumers of the hack. Equifax demonstrated itself as unethical, negligent and irresponsible. The company must and should pay for its deliberate act of omission.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting transaction history for many of my account and per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in multiple pollice reports along with the ftc identity theft report. this company has yet to investigate properly or remove thee invalid debt information. I sent a letter to the. credit agencies and this company showing fraud. I am asking that this be removed from my report asap
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 rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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-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: Money transfer, virtual currency, or money service

Ive already try to bring some understanding to the misleading Pharmice do you get your do you look like a bank that gives you the impression that theyre protecting your money at the same time they give you options of ways you can send money and I feel a deception because you think if youre working within the confinement I bet anything use fraudulent activity once the money leaves your account but in this case and XXXX will never receive and for this reason I can probably should account for that I wont purchase something from XXXX and XXXX could not get my money But while in the bank while with XXXX XXXX the subject came up about fraudulent activity that took place with XXXX and XXXX and I told to tell her that I could get my money back this was months later and they asked me if I could use my debit card they were able to give me my money back so why is Wells Fargo not being held with liable especially during this time where people are being laid off and money is important to XXXX the government is sending out trillions of dollars to help people this was my own money that I used and was taken why Is there not being more done this is a commonsense situation are use what was available through the bank via the bank with my bank card and the money was taken and not returned thank you XXXX XXXX XXXX please escalate this to another department that can handle this also I do have photographs of the texts and if needed the amount of two transfers and also the wire transfer with the routing number and account number at the bank house office if you need it please let me know because I dont know how to upload this with the system that Im on thank you.
Product: Vehicle loan or lease

I was in the hospital for most of 2024, however, I have been able to make payments on my account until I had a XXXX XXXX  in XXXX, XXXX. I had initially set up an Extension/Deferment in XXXX prior to my XXXX  XXXX in order to get the account caught up. I was granted the extension, however, later found out that the extension was cancelled by someone other than myself or CARMAX. I was then told that if I made the payment for XXXX and XX/XX/year> payment, that I would be given an extension in order to get the account caught up. Because I had been in a medically induced coma during part of my hospital stay I was unable to communicate with anyone from CARMAX. My father and Attorney both tried to pay cash to CARMAX at a dealership in XXXX, XXXX  several times using my power of attorney and in one case my verbal authorization as well as my account number and XXXX ID/License. In all the cases they were rudely told that they would not accept the payment, even though it was in cash. When I was finally discharged from the hospital I had to restart my bank account, since the bank had suspended the account because i was in the hospital for a prolonged period and it was documented that I was incapacitated. When I finally got the account reactivated I made the XXXX and XXXX payments as advised by CARMAX on XX/XX/XXXX totaling {$2100.00} for XXXX and XX/XX/year> payments. I have tried several times to speak to management, and have sent documentation to CARMAX confirming both my hospitalization, which was already well documented, as well as proof of the payment Isent on XX/XX/year>. I never seem to make it past a customer service agent and the one " supervisor '' I spoke with was VERY rude. The last conversation I had with CARMAX was with a Customer Service Representative on XXXX XXXX in which a customer service representative said on a recorded line that if I made the XXXX and XXXX payments, which I did on XX/XX/year>, the 3 past due payments would be placed at the end of the loan, and I would be given an extension based on my situation. Additionally,, I reside in the area of XXXX affected by both Hurricane Helene and Milton and right now I am not living my house due to the damage from those storms. I have tried several times to speak to a member of management about this matter so I can set up some kind of deferment/extension in order to get my account up to date. I have begged and pleaded with the Customer Service Agents to have a member of management to either speak to me or contact me, however, no one from CARMAX management has bothered to speak to me when I call in, or reach out to me when I have asked several times. I am now filing this complaint and I am also considering going to the media with my situation. I am doing everything I can to resolve this matter, and CARMAX is avoiding speaking to me about it. Although, it has been acknowledged that the documents were received, NO ONE from CARMAX has bothered to reach out to me to discuss resolving this matter.
Product: Mortgage

In XX/XX/XXXX I made application to refinance with Wells Fargo of my home that I had just purchased in XX/XX/XXXX, to take advantage of the lower interest rate. At the time, I have submitted all of my financial documents, and everything appeared to be ok, then suddenly there was no contact, as I insistantly inquired as to what was happening, I was finally told that my house did not appraise for the mortgage. I purchased my home for $ XXXX, and was told by Wells Fargo it was only valued at $ XXXX, just a few months after purchase. I tried to get answers on how and why they made that deteremination, I could not get any answers. I felt at that time, my home was intentionally and grossly under valued by Wells Fargo, for some reason, and could not get any reason as to why. Now, in XX/XX/XXXX, I was in contract to sell my home. I have a valid appraisal of my home for $ XXXX. I settled with the potential buyers for $ XXXX. The buyers had Wells Fargo as their bank. An appraiser through Wells Fargo, appraised my home at $ XXXX, shocking myself, the realtor and everyone involved. The appraisal was wrought with unexplained errors and comparisons. When my valid appraisal and supporting documents were submitted for review and reconsideration, Wells Fargo would not review the appraisal. The sale of my home could not take place. I believe my home is being intentional and grossly under valued by Wells Fargo.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX  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 XXXXXXXX # 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-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: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax and XXXX in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked Equifax and XXXX to validate the information with XXXX and provide me with any documentation connected with the accounts. Equifax and XXXX  did not validate the alleged accounts which are showing on my credit report. Equifax and XXXX repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that Equifax and XXXX provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that Equifax and XXXX delete the XXXX line items from my credit report. Equifax has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, XXXX  also has not fulfilled this request. Equifax and XXXX  unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against Equifax, XXXX and XXXX.
Product: Mortgage

We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. On XX/XX/XXXX  the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX 

However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 

2. Caliber careless mistake leads to both my husband and my credit score sharply drop from 800 level down to 600 level. 

3. OnXX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from  XXXX still shows our monthly payment is {$7100.00}. 

After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XX/XX/XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I never applied for any accounts with these company 's I believe these accounts was open due to fraud and it is causing Hard Inquiries on my credit report which is hindering me from applying for anything that can help me with me and my family.
Product: Mortgage

This is not the first time my sister had wrote on this mortgage. 
Attached is where I and my deceased mom had purchased the house approximately over 30 years ago. When she passed I obtained Attorneys who wrote many charges that does not seem to be correct because I never left the property, nor have I ever seen anyone nor my sister, neighbors or anyone.
Product: Checking or savings account

Overdraft fees are outrageous. For the most part my account is positive. I wish that it would reflect that on XXXX XXXX. I should n't be charged for using the ATM.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account names/ Numbers : 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 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 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-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.

I didnt open these accounts!
Product: Debt collection

Ive explained that I have been out of the country for 10 years to Santander consumer USA and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Product: Mortgage

This is about a deceptive practice by Wells Fargo mortgage, and me and my wife are innocent victims in this matter. It is about real estate taxes which we used to pay for many years. Wells Fargo went ahead and paid item without my knowledge. Wells Fargo started an escrow account which caused my payment to increase from {$1600.00} to {$4500.00}. I gave them all options to work with me to rectify this situation, but since they don't have any local office any where in my area where I can go in person and talk to someone about it. I have been talking to different people over the phone, spending countless hours in trying to resolve this issue. I need the help of Cfpb to look into this matter as a mediator, and help us as we are both senior citizens. This is our home where we both want to end our journey peacefully. I have {$250000.00} of equity invested in my home. I feel I am being black mailed by Wells Fargo. I have all the documentation to explain the situation if you need further information.
Product: Credit reporting or other personal consumer reports

Please delete your info from my credit file XXXX Equifax. Please stop reporting late payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I believe the accounts and inquiries listed below were established or made fraudulently and without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$00.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX