23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint centers on continuing communication problems with my Mortgage Service provider. Essentially the following has occurred 1 ) A total lack of response from my case manager after repeated calls as to the status of my application. 2 ) In my last application filed in early XXXX, and during my 2nd to the last conversation with my case manager, I was informed that my application was incomplete. ( small deficiencies. - I failed to check the box next to my signature in the XXXX Assistance Form proving that the signature below was indeed my signature ). 3 ) I then provided the remainder of the information in the application and sent this information by mail to my service provider. 

About a week later, I called my case manager and spoke with her, and she told me that the application was now complete. Several weeks passed with no response from the company so in XXXX XXXX I called my case manager to ascertain what was going on. I called several times and received no return call. Finally, feeling very frustrated, I called and asked to speak to someone about what was going on. This person looked up my file and told me that the additional information was n't received, and that to my utter dismay, I learned that my file was closed!!! 

This person said that I 'should ' have sent my application by email, not mail. The essence of my complaint is the ever changing rules regarding methods of communication. That I could send my application by email was new to me. In the past, I have always sent information to the company by US Mail. 

If I am allowed to send my applications by email, why ca n't I communicate with my case managers by email? The Servicer, wo n't allow case managers to send or receive email. 

This company has changed their processing rules so often that it is nearly impossible to communicate efficiently. We live in a digital world. It has now been five years working with this company to try to save my home. In the beginning, I was able to communicate by email with my case manager, and that rule changed about two years ago. 

The industry processing rules call for accessibility and a fast application process. 

Honestly, in the spirit of time, and consistency, I ca n't fathom why the company wo n't let case managers send and receive emails, except that the corporation does n't want to have any real records of what transpires between Mortgage holder and case manager. 

This company has done everything it can to make the application and review process an entire tangled web of ever changing attitudes completely counter to the spirit of a quick review process and resolutions to customer needs. 

This company has demonstrated time and again that it will do anything to confuse and obfuscate the mortgage modification process.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to dispute an error on my Experian credit report, but the website does not work or allow me to submit a dispute ( see screenshot attached ). However, from the credit report online I can see that there is a XXXX XXXX account reported on my credit report with erroneous balance ( see third screenshot attached ). Entire account consists of fraudulent balance and should be removed from my credit report ( see police report attached ).
Product: Money transfer, virtual currency, or money service

I wanted to formally express my issues regarding Zelles handling of disputes. This is particularly due to the current CFPB lawsuit magnifying issues with the Zelle platform. I use Zelle numerous times and despite always reporting any discrepancies with the platform, my financial institutions and Zelle itself always fail to investigate my claims accurately and promptly. I am always informed that recovering lost funds and tracking these transactions are impossible. The CFPB findings show that Zelle has not only neglected to protect their customers but has also allowed repeated offenders to neglect the system. Resulting in true customers like me vulnerable to fraud and scams. This insane lack of accountability and transparency is extremely unacceptable and brings serious concerns about customer protection.
Product: Student loan

I contacted UAS using the below email.

Dear UAS, I am writing to express my serious concern regarding the recent increase in my loan balance, which now exceeds {$20000.00}, despite my consistent monthly interest payments. My records indicate that I have an in-school forbearance until XX/XX/year>, and during this period, the principal balance should remain unchanged as long as I continue making interest payments. 
Over the past few months, I have noticed that each statement reflects a slight increase in the total balance. This discrepancy has now resulted in an inflated balance of over {$700.00} above the original amount of {$19000.00}, which I find unacceptable. The original balance should not change after interest payments are made, and I fully expect UAS to correct this error promptly and restore the balance to the correct amount. 
I have already contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, as I believe this discrepancy is both egregious and potentially predatory. If this issue is not resolved in accordance with the original terms of my lending agreement, I am prepared to pursue legal action under the Truth in Lending Act ( TILA ).

Please investigate this matter immediately and provide a clear explanation for the increase in my loan balance. If there has been an error in calculating my interest payments, it is the lender 's responsibility to correct the balance accordingly. 
I look forward to your prompt response and resolution of this issue. 
Sincerely, -- XXXX XXXX ( contact info )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Equifax placed a supposed temporary fraud alert on my account, and claimed it was by my request. I called and spoke with customer service, and went through a lengthy and inconvenient verification process and the man on the phone told me hed try and have it removed. After the entire verification, he told me he couldnt remove it, but it would fall off. After a few days, not only did it NOT fall off, they actually updated it to a permanent one, AND I CANT GET IT OFF!!! I have been working on my credit, I pay for 3 different monitoring services, and a credit repair company, and I put in A LOT OF TIME AND MONEY and this is ruining everything!!! I should have received two limit increases that were not given and was denied a car loan preapproval, and this isnt right!!! It clearly says on my report that I requested this, and thats a lie!!! I cant get it off, and now they have locked me out of the online site, and I cant do anything! Please help me remove this!!! I have worked so hard on my report and I am having real consequences because of something that I didnt want, and was put in my report, without my consent! Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Finacial was contacted to submit payment the representative that assisted told me the exact amount and date that the payment was due. I submitted payment on that date! They stated that payment was due prior but a representative on a recorded line explained in detail the date. I now they have reported 30 day late and that is inaccurate! I have requested removal and they are not willing to help or pull recorded conversation. I have never paid past 30 days and due to the inaccurate information provided by BMW rep I now have a problem for the month of XXXX and XXXX. I was also told that a partial payment of {$500.00} was acceptable and I would not be reported since I was also making the {$97.00} on the next business day.
Product: Money transfer, virtual currency, or money service

I would like to file a complaint on 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 in preventing and addressing fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Ad ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek financial loss and appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information thats reported on my credit report by XXXX XXXX XXXX, is inaccurate. On XX/XX/XXXX XXXX received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through XXXX XXXX XXXX. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.
Product: Checking or savings account

I was working with a lawyer XXXX XXXX from XXXX XXXX XXXX. to get my bankruptcy filed and I received, what is now to be known as a fraudulent email from someone impersonating XXXX XXXX telling me that the company was having trouble processing payments through their normal portal and I was XXXX enough to request an bank transfer on XX/XX/2022 to the so-called bank account of the lawyer. The email appeared to be from the paralegal ( XXXX ) that I was working with but it was not her. I lost {$1800.00} through it because the bank will not refund the money because I initiated the transfer. I reported it to the police here, but doubt they will do anything. The lawyer informed me a month later that they never received my money. and that is when I started to contact the bank and reported it to the police
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, TX XXXX FCRA violations XXXX accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Product: Credit card or prepaid card

On XX/XX/XXXX we purchased furniture from XXXX XXXX in XXXX, Nv on a credit card interest free contract with TD Bank Retail Card Services. When i received the bill I noticed charges were more than the sale price. XXXX refused to do anything about it. So, rather than fight with them I took the balance due, divided by the months that I had to pay off before interest would be accrued less one month to insure it would be paid off by due date. That came to {$75.00} a month as of statement balance on XXXX of {$1500.00}. Due date to pay off before interest accrued is XX/XX/XXXX. I set up auto payments with my bank to pay on second wednesday of every month to insure that payment would be received before the XXXX due date on statement. I received a letter from TD retail card services informing me that I owed XXXX more on my next payment plus {$83.00} minimum payment. I called them and they said because my payment was XXXX short of the {$83.00} required each month they charged me XXXX fee. The rep did say that it wasn't a late fee because they did receive my payment on time. The fee was because my payment was short by {$8.00}. They charged me this fee for two months. The rep was very rude and would not reverse the charges and she then said that they required XXXX a month. By requiring this amount of payment they are actually shortening my contract by three months!! Statement balance without fees as of This is fraud at its best. Instead of my contract having a due date of XX/XX/XXXX they are collecting to pay off contract by XX/XX/XXXX. This is a breach of contract!!! How can they be allowed to do such illegal practices? Because you are a government entitiy, I hope you will look into this matter. This is illegally changing a contract to their likings and advantage. This is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 2 )  XXXX  XXXX  ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce XXXX  Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Account/Reference # 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
Product: Money transfer, virtual currency, or money service

I deposited {$6500.00} using ACH and I can not withdraw my money. I already submitted CFPB complaint a 3 month ago, and they simply replied that I was able to access my fund which is total lie. I need my money back. When I called their customer service, they kept me in an egg-chicken situation where there is no solution. 

The egg-chicken situation is : In order to access USD fund, they need to perform country-change in my account. 
But to change the country, they need to empty any fund in USD. 

It has been a quarter of year since I started complaint. And Coinbase simply has done nothing except lying about my case and keeping me in a fraudulent loop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or Around XXXX I contacted Affrim regarding Fraudulent dispute regarding and General Contractor That I Hired Through XXXX List I Mention to the Merchant that I didnt Receive Services That I Pay for I also Explained to the Merchant That a Case had been filled. 
Against XXXX list With Attorney General and Affrim the Merchant Fefuse to Honor this Complaint In fact The Merchant Is Still Reporting Over Due to Credit Reporting Agency.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CHILD SUPPORT XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
CHILD SUPPORT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.
Product: Debt collection

unsolicited recorded call for dept collection. my number is on the do not call list, and have no outstanding consumer dept. 
Company name is RSI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... XXXX am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now.So ... .the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my Experian file right now.
Product: Checking or savings account

See Attached Exhibits # 1 -5 : Wells Fargo said they overcharged me for XXXX  years for a safe deposit box and tried to give me a refund with little to explanation.