23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in the begginning of XX/XX/2020 I called my mortgage company Caliber Home Loans advise them that due to the pandemic covid-19 our hours were cut so it made difficult to pay the mortgage, the representative from caliber stated due to my FHA loan I can put my loan on covid-19 pandemic forbearance plan and it wont be reported to credit reporting agency and we dont have to pay until the end of 6 months up you can if not and your still struggling it can extend for another 6 months. But since we on this forbearance for 3 months now I have been getting phone calls, I got a certified letter that I had to go to the post office to sign for and it was from Caliber Home Loans stating I am past due on our mortgage and it is imperative that I make immediate arrangement on my account. I feel threaten by them as though they are not on the same page as the other representative who made the arrangement with me. This is not the first time having issue with them. This needs to be resolved and compensated for what they put us thru stress.
Product: Debt collection

I have received multiple notices from Kramer and Frank, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX over CC debt through XXXX XXXX for XXXX XXXX XXXX. They keep sending me letters and I have sent them the standard cease and desist letter twice! I am XXXX due to mental illness. Multiple diagnosis. They are making it hard for me to get by. Their reference file # XXXX. I earn no money. I live on XXXX. Their letters are making me feel weird and I need your help. If
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have filed several credit disputes with XXXX, Equifax and XXXX  since XX/XX/2021 I continue to file the disputes every 30-45 days with no responses in my investigation nor updates. The credit bureaus are in violation of the FCRA guidelines they have yet to respond to my letters nor forced the investigation properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$980.00} XXXX XXXX Original creditor XXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX Creditor : ) XXXX Balance : {$500.00} ( Original Creditor : ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

They removed an account from XXXX that needed removed. But now XXXX XXXX account needs removed because it's been 7 years. I can't dispute it on their site cause it says it's in dispute and I would have an answer by XX/XX/year> it is past that date. And technically it didn't need to come off until XX/XX/year>.
Product: Payday loan

In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be. 
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit card or prepaid card

On XX/XX/22, I received an Email offer from Citi which states " Earn {$20.00} back on your Citi Card with XXXX. '' I did have 3 purchases using XXXX and each of the transactions is {$470.00} on XX/XX/22. However, until now I still have not seen this {$20.00} credit yet. I tried to call the customer service line but it seems they even do not know the offer and they decline to honor the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you report on my Credit file. I previously sent a letter on XX/XX/XXXX requesting you to remove inaccurate personal information, address, and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Debt collection

Was contacted by phone saying I opened a XXXX XXXX credit card in 2013 and used my social security number and my old address which I tried to explain to them that I never opened a credit account in that year but they still determined that it was me then they told me that they are marking down that I refused to pay and they will seek legal action the person who I spoke with got very nasty with me after I called them a scammer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach. Their automated system told me that I am apart of the affected party. Their lax attitude on the personal security of XXXX people is cause for alarm. They have been aware of the breach since XXXX and are just now making a statement. My information very well may have been compromised in such time. Unacceptable.
Product: Mortgage

I re-financed my home mortgage loan from a VA loan with XXXX XXXX to a conventional loan with XXXX XXXX XXXX in XX/XX/XXXX. That loan was sold to the servicing company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXXXXXX, NJ XXXX. Tel : XXXX and Fax : XXXX. 

My escrow account was also transferred to PHH Mortgage Services. My home insurance company is XXXX XXXX XXXX XXXX. ( XXXX has been a phenomenal company-very good ). My first payment with PHH was XXXX XX/XX/XXXX. Even though PHH has had my insurance company 's mailing, billing, and contact information since XXXX, PHH has not paid XXXX from my escrow account for my home insurance. 

My home insurance policy will now be canceled on XX/XX/XXXX if PHH does not post their payment by that date. Today I confirmed with both XXXX and PHH that PHH has all the correct information. 

I'm asking for government help to ensure that PHH will pay XXXX for this payment and all future payments in a timely manner. Additionally, PHH has been a problem company for many citizens ' loans. I ask for a full investigation into their practices and the company in general. A quick XXXX search will reveal that many people, 300+, have had serious issues with this company. If I continue to have issues with PHH, I am also asking for help in getting my loan sold to a different and responsible mortgage loan servicing company. 

Thank you for your service and urgent help in this matter.
Product: Debt collection

Account Name SETOYOTA FIN DBA OF WOFC Account Number XXXX Date Opened XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$8400.00} Collections is not from original creditor. I do not owe SETOYOTA FIN DBA OF WOFC - ( account # XXXX ). 

Under the laws of the State of North Carolina UCC ( The Uniform Commercial Code Section operates under Chapter 25, Article 9 of the North Carolina General Statutes to provide a method of giving notice of a security interest in personal property to interested third parties. The method adopted is a " notice '' filing system ) and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I was not given prior warning before the vehicle was repossessed after I told them I was going through financial hardship. I never had a contract with the company that came in the middle of the night and took the car. 

This company needs to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Checking or savings account

I contacted Ally on XX/XX/2022 regarding their misleading and false interest rate emails. I decided to move my account to XXXX Bank on that date and filled out the on line form per the CS rep 's instructions. On XX/XX/2022 I learned that my account of {>= $1,000,000} had NOT been wired to XXXX. I called Ally on XXXX and spoke to XXXX and she asked me some detailed questions to verify it was me and she stated that my account would be wired that day. I learned on XX/XX/2022 my funds still have not be wired. I called and talked to XXXX at Ally and she NOW wanted a statement from XXXX emailed to her. After much effort I was able to obtain a statement and emailed it to her on XX/XX/2022. I learned today XX/XX/2022 that my funds of now {>= $1,000,000} have still NOT been wired to XXXX!!!!! I even paid their {$20.00} wire fee two weeks ago!!!! Ally is converting my funds and and I am losing interest every day from Ally 's intentional acts. You need to fine them millions and force them to pay me my lost interest and wire fee!!!! 
I first filed my Complaint to the XXXX and they sent to it to the Federal Reserve who NOW tell today that it goes to your agency!!!!! Please do something ASAP as I needed this money wired to XXXX Bank on XX/XX/2022 2022
Product: Checking or savings account

Funds were deposited into my account and a refund was processed making my available balance nearly {$480.00}. I then XXXX  {$430.00}. Leaving an available balance after the transfer. The next day my account showed a negative balance. The following day my account was positive again with an overdraft fee. I spoke to multiple supervisors in client support, the first was a young lady named XXXX and the second was a young lady named XXXX, who refused to correct the issue and after acknowledging that the return was presented the day before the XXXX transfer and that the {$100.00} from the return was available to make the XXXX transfer but didnt post until the XXXX. I ask how could they make money available for me to use and then charge me a fee when I decide to use it. They sited the reason for not correcting the mistake as being that they had corrected similar mistakes in the past and would not be correcting any more.
Product: Debt collection

On XX/XX/2019 I filed an oral and written complaint with USAA, the oral complaint was given to Bank Employee XXXX, and the written was provided to this Bureau, because, among other things, Firstly that USAA breached our Loan Agreement in applying supposed unpaid fees after curing a default, Secondly that USAA violated our Pre-Authorized Transfer Agreement by taking more money from my account than agreed upon as well as failing to notify me of this transaction, that varied from previous amounts, at least 10 days before the scheduled transfer, and Thirdly that after giving this complaint to Bank Employee XXXX and requesting how the Bank found this appropriate, XXXX informed me, after a nearly 20 minute investigation, that the Bank deemed it appropriate and that this appropriateness was based on some agreement other than the Loan Agreement and that the Bank would not share this agreement with me. Even though the Bank had a duty to provide it to me. 

On XX/XX/2019, 59 days after submission of this complaint, and one day before this 60 day deadline, USAA responded to my claim, in substance, only saying that the above mentioned events are appropriate due to our Loan agreement itself. 

On XX/XX/2019 I provided my feedback to this complaint, and disputed USAA 's statement, as well as requested any and all investigative documents. 
About a week or two later I left a voicemail to XXXX XXXX, a member of the Office of Bank President, who attempted contact with me after submission of this complaint, and made a similar request, as well as a request acknowledging my this request. 

As of this day, XX/XX/2019, 55 days since making the request, USSA has failed to send me any documentation supporting the claims made by Bank Employee XXXX, or any supporting documentation for the 59 day long investigation the Bank undertook. 

This is of course another violation in and of itself as 12 CFR Part 1005.11 ( d ) states clearly that not only was USAA supposed to include in both responses that I had the right to have these documents, but that they must ACTUALLY deliver them to me. 

USAA and/or the Bureau, should only contact me by the email provided or by mail, as I am currently without a phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not reporting the Date of First Delinquency associated with an account on my report. 

This account is more than 8 years old, and it has already been settled. This is a blatant attempt by the creditor/ debt collector ( THE BUREAUS ) to Re-Age this account. 

I first contacted TransUnion regarding this matter by mail on XX/XX/2018. Despite further contacting TransUnion, as well as the creditor on numerous occasions, both in writing and by telephone, neither have provided a Date of First Delinquency as required. Had TransUnion conducted a proper investigation of this matter, it would come to light that this account is 1 ) over 7 years old ; and 2 ) has been closed/ settled with the original creditor. 

This matter is a case of a creditor 's shameless attempting to Re-Age a debt which is time-barred for reporting under the statute of limitations.
Product: Student loan

I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I tried to register for an account with Credit Karma online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.
Product: Money transfer, virtual currency, or money service

I am filling 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 an unprotected ..Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act These actions have caused significate inconvenience and financial loss i seek appropriate redress for these violations
Product: Vehicle loan or lease

I received a loan from American Honda Financial Services on XX/XX/XXXX while fleeing XXXX XXXX situation that resulted in my termination from a job. XXXX in finance at XXXX XXXX seemed to have information about me when making the loan. 
This year, just before the winter storm hit in XX/XX/XXXX, XXXX XXXX failed to acknowledge that my repair was covered under warranty and attended to get me to trade in my car or finance the repair. I refused these predatory efforts on XX/XX/XXXX and was stranded in my disabled vehicle until XX/XX/XXXX throughout the winter storm and in the face of people wishing me dead. XXXX XXXX informed me of the warranty and made the repair in XX/XX/XXXX. 
I remain impoverished with no money or gas, living in my car in Texas heat exceeding XXXX at times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Prepaid card

Received email on XX/XX/XXXX that I has an application pending for a prepaid card. This was fraudulent. I've never heard of the company nor did I open an account.
Product: Credit reporting

My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Trans Union to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Trans Union and the ignored it.