23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My company has been working on this file since XXXX of this year. We have had to get in contact with HUD ourselves due to the ridiculous behavior of US Bank in attempting to delay this short sale. Originally, the property was overvalued and US Bank refused to acknowledge this even when the FHA Buyer had an appraisal with a much lower value. After getting in contact with HUD, we were finally able for a 3rd appraisal to be done on the property and the Foreclosure sale postponed and put on a hold. 

In addition, we requested a new CRM and Negotiator in hopes that they would move the file quicker. During the short sale process, XXXX XXXX has retired from her job due to pay cuts in Illinois. If she had not retired, she would be unable to collect pension for the many years she worked for the state. The pension takes up to six months to go through so she currently has no income. 

Our buyer has come up to {$80000.00} to exceed the 88 % net required by HUD. Since the value is at {$79000.00}, this puts us {$51.00} over the net. However, I received a message after hours on XX/XX/XXXX which was not seen until the morning of XX/XX/XXXX, that the file was declined by FHA. XXXX XXXX eventually returned my call and let me know that this file was declined because the Seller moved in with her husband 37 miles away. However, I am aware that a relocation of over 30 miles is an acceptable hardship for the FHA and US Bank. The reasoning why this file was denied with relocation as the original hardship and the new hardship of the Seller out of work is unfounded. 

It seems to me, that US Bank is wanting to foreclose on this property instead of trying to work with our client to settle the debt. They have done nothing but prolong the process and make every step along the way more difficult than it should be. I have reached out to my representatives at HUD multiple times with no response. I have also submitted a complaint to US Bank 's RMD Consumer Advocacy Center with no response.
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 name : XXXX XXXX # XXXX. Account name : XXXX XXXX. #. XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair 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 whom the report relates to 15 USC 1681 ( e ) ( b ).

And 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

XX/XX/2020 XXXX  is lacing my credit report with false entries again. 
Toyota Motor Credit Corp/Toyota Financial Services is a CLOSED fraudulent account. XXXX  is reporting missed payment-this is a lie. 

XXXX  is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!
Product: Credit reporting or other personal consumer reports

I just recently got a XXXX and the XXXX gave me back my maiden name and I did send to all three credit agencys. So I ask for my report and it still says XXXX XXXX and that isn't my legal name anymore, it's XXXX XXXX. I also sent letters for them to remove old addresses because according to the XXXX, it isn't delivery mail. They won't take off. They told me to take out more XXXX cards so I did, they said my score would go up. Not ur went down. I'm a XXXX  XXXX survivor and I'm trying to get my life in order. HELP
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, XXXX, Experian. Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX ( XXXX ) under the account number XXXX, a XXXX XXXX under the account number XXXX -- -. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to company, XXXX XXXX XXXX XXXX XXXX. about this incorrect information on my credit report on or about XX/XX/XXXX also sent an email on the dated XX/XX/XXXX.This information was  sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
XXXX XXXX XXXX stating that the company has decided to make XXXX XXXX XXXX XXXX., ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/XXXX. XXXX has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Checking or savings account

J P Chase Morgan has continually added and subtracted a balance of {$1000.00} to my Mothers ( who passed away XX/XX/XXXX ) checking account for almost a year, resulting in my inability to close the account. Chase has stated they are recouping a Social Security payment. However, the Social Security payment was already recouped, and this is evident in the banking statement. The bank has acknowledged that the amount is not owed, as they have repeatedly removed the amount from the account. Only to attaches the amount back on the account. I have communicated repeatedly with the bank, and have been transferred from department to department with each represtative passing me off to another with no explaination. 
In addition to the above, today XX/XX/XXXX, Chase has attached an additional new fee of {$1000.00}, for a total negative balance of {$2100.00}. I went into a local bank, inquired about the status of the account with the new transaction, and after making several telephone calls the branch manager was unable to obtain any information as to why the new transaction was add to my Mothers account. I have banked with Chase for several years, and have many accounts ( a auto loan, credit card, checking & savings, my childs high school account ), all of which I have never missed a payment or had a late payment on. I really enjoyed managing my finances with this institution. To say that I am disappointed is an understatement.
Product: Vehicle loan or lease

I am a XXXX XXXX full time working part time per diem in my field during the Covid 19 pandemic I learned I could contact my finance company Westlake financial to request some form of leniency to reduce the monthly payment without any additional financial consequence when I accessed my loan online I noticed excessive late fees and NSF fees on my account I have made on time payments since I purchased the vehicle in XXXX those fees are incorrect and bogus. Additionally I noticed I have paid over double the original cost of the car over the last two years I have paid over XXXX XXXX Dollars and my loan end in XXXX which means I would have paid another over XXXX XXXX dollars a total of over {$23000.00} the original price of the vehicle was {$16000.00} by XXXX I would have paid over {$6000.00} in interest and other fees I now understand I should have been offered GAP insurance which I was not told about I do not feel the dealership was honest with me about what I was signing. When I attempted to dispute these late fee and nsf fees I was told my dispute is not valid I was spoken to very rude abrasive and unprofessional I was I feel taken complete advantage of this was my first time financing a vehicle I was alone and was at the mercy of the sales people at the dealership completely unaware with no first hand knowledge I trusted the people I was dealing with to be honest ethical and professional I am work in the medical field I help to save lives not destroy them. I feel I was XXXX  XXXX of my hard earned money I could have used to pay for college.
Product: Mortgage

I've had a mortgage with Wells Fargo since XXXX on a vacation home. The payments for this mortgage were paid automatically on time by the bill payer service of my credit union XXXX XXXX XXXX XXXX ( XXXX  ) where I have been a customer for nearly 40 years. Due to technical issues between Wells Fargo and XXXX my mortgage bills stopped getting delivered to XXXX in XX/XX/XXXX. As a result my XXXX payment was late as well as my XXXX payment, resulting in late fees. I contacted XXXX and Wells and XXXX refunded the late fees and I paid the XXXX bill and late fees on XX/XX/XXXX, and XXXX bill plus late fees on XX/XX/XXXX. At this point I thought everything was resolved and XXXX had credited my account for the late fees on XX/XX/XXXX. 

However the problem between XXXX and Wells wasn't resolved with the bill payment system and my XXXX payment also wasn't made. I only discovered this in XXXX when that bill wasn't paid and I made another manual payment for the XXXX and XXXX bills on XX/XX/XXXX. However in the mean time Wells reported my account as delinquent in XXXX dropping my credit score from Excellent to Good destroying any chance to refinance my other mortgage at a reasonable rate. 

I don't believe I should be held responsible for Wells and XXXX problems. I rely on automated payments just so I don't have to worry about them, and these companies screwed that up. I would like the late payment filed with the credit reporting agencies by Wells to be removed and my credit score repaired.
Product: Debt collection

Re Case # XXXX After speaking with a representative from the CFPB about the response I received from XXXX XXXX XXXX not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. XXXX & XXXX states that they are handling the account for BOA, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from BOA. I did receive a letter from XXXX & XXXX stating that they are basically working on behalf of BOA, but did BOA sell it or have another company handle it, then take it from them and gave it to XXXX & XXXX to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from XXXX & XXXX of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that Bank of America, which you state you are representing, would not agree upon while yet giving XXXX & XXXX the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with XXXX XXXX XXXX. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, XXXX & XXXX is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that XXXX & XXXX stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
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 for these violations.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened an account fraudulently without my knowledge or authorization I have a credit freeze in place and the company failed to see that and still opened an account in my name and closed it days after I reported it was me and I contacted The company and company gave me run around I am prepared to take Federal legal action against company for the negligence and emotional distress caused by this incident
Product: Mortgage

Mortage company is Loan Care. Loan Servicing Company is XXXX. 
XXXX we found out that our house insurance had not been paid and had been cancelled by our insurance company for non payment. The policy was effective until XXXX days later we got notice from the insurance company that Loan Care had not paid the premium and the policy was cancelled. our original cost for home owners insurance was XXXX per year. instead of paying that, Loan Care place their insurance at a premium of XXXX and notified us that our house payment would go from XXXX to over XXXX. The insurance company that we went to for help said that Loan Care had 90 days before they had to get forced placed insurance. LOAN C are placed it in less than 60 days.We were able to get a 'junk ' policy with the help of the agent and our previous company for XXXX. Now Loan Care says our new payments are going to be over XXXX every time we called to try to figure this mess out it was a different person in their insurance dept. and a different story! This has been a nightmare as we are senior and live on SS. Have heard almost the same story from many others in our senior group. " This is a way for them to foreclose on seniors ''
Product: Mortgage

A home loan refinance was initiated through XXXX XXXX. They submitted the payoff amount to Loancare LLC on XX/XX/2022. Loancare policy is that late payments are not reported to credit bureaus unless payments are made outside of the month that the payment is due. After the payoff was completed, Loancare reported the mortgage as paid off and 1 month deliquent. We are requesting that Loancare remove the late payment report to the credit bureaus.
Product: Credit card or prepaid card

I returned a {$75.00} Item to XXXX. The refund was applied to a XXXX XXXX Personalized Visa card. Shortly after this transaction I was no longer able to log in to my account. When I called US Bank ( the administrator of the Visa card ) to find why I was no longer able to access my account I was informed that a return was processed to this visa card however the original purchase had not been made with this visa card. They informed me that my card was inactivated and the full balance of {$350.00} was not available until the return was reversed or I produced receipts for the transactions. I informed them I did not retain the receipts from the purchase and XXXX is not likely to forcibly remove the return from the card. They informed me that those were the only two options. I asked them to close my account and send a check for the outstanding balance. They would not close the account they would only deactivate the account. I informed them they had no right to deny me access to my full prepaid funding over a difficult to reverse clerical error that represents a fraction of the full amount I had put on the card. They offered no other resolution. US Bank has manipulated their policies so as to leave my funding ( paid in cash ) in an account inaccessible to me until their monthly service fees consume the balance and then the account would be closed. I feel US bank has implemented policies that facilitate what amounts to theft.
Product: Vehicle loan or lease

I fell behind on car note due to XXXX  and deaths in my family. Had to put a new engine in the vehicle as well. So I've been playing catch up. I had just paid {$840.00} on XX/XX/XXXX to bring down amount of days behind and catch up on car note. I forgot to set a payment arrangement and received a repossesion notice on Friday the XXXX of XX/XX/XXXX. Tried calling over and over could not reach anyone even though the web page for XXXX XXXX says they are open until XXXX XXXX  on that day and until XXXX XXXX on the XXXX that Saturday. Today is XX/XX/XXXX the following Monday. I call in trying to make a payment. First rep states can't do anything unless {$3500.00} is paid or settle at {$25000.00}. Second rep XXXX states that the repossesion state can be changed but it's not company policy, that they can accept {$2500.00} today then the remaining {$900.00} and change in XXXXen days and that the {$25000.00} is feasible for settlement. I request another higher up. Third representative XXXX of security operations proceeds to deny any prior statements made by her lower team members and states unless XXXX, not even including the fees theyve placed on me, is paid they can not do anything and even though I just made a full payment of {$840.00} the XXXX of XXXX my account was setup for repossesion on the XXXX of XXXX. These people have scammed me out of an extra payment didn't tell me I was in repossession until the XXXX of XXXX and then will not work with me so I can keep my vehicle. The practices of this company are vile and they take advantage of any fault they can to put you into more debt. I got the car in XXXX of XXXX and my payoff is XX/XX/XXXX. At halfway through the loan they could give no reconciliation to help me even though I'm offering to pay now and another full {$840.00} payment by the XXXX of XXXX. I'm tired of companies like this. Something has to be done to stop them from taking advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>