23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a document from the Law Offices of Nair & Levin P.C. of XXXX XXXX XXXX in XXXX Connecticut XXXX phone number XXXX The letter sent to me states that they are attempting to collect a debt that I owe XXXX XXXX XXXX for {$2900.00} XXXX pay my medical bills to the facilities directly via a personal check regularly. I do not have any desire to work with this debt collector and do not need to. I am writing the CFPB to help mediate this issue and asking that Nair & Levin P.C. from here on Cease & Desist in contacting me, by phone, mail or email and in all matters regarding collection of this alleged debt. They are not my original creditor, and I have no desire to work with them in any capacity. As previously stated I take care of my medical bills with my original creditors, and will continue to do so. If my credit report is damaged from any reporting by this firm I will contact my state representatives for FCRA respresentation and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 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 im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands
Product: Mortgage

URGENT - SHERIFF SALE ON XXXX XXXXHi. I went for a loan modification with Wells, Fargo Home Mortgage and submitted all my documentation in a timely manner on XXXX XXXX, 2015. 
I was called at the end of XXXX XXXX I still have the call on my cell phone ) by Wells, Fargo and was told my loan was turned down because is was over {$720000.00}. 
XXXX XXXX knew my loan was {$900000.00} in XXXX! 
I called and spoke to XXXX XXXX. She said the loan was turned down because I did not submit profit and loss statements for my realty company. I do n't have a realty company and was never notified that she needed a document! I explained the phone call I received the day prior and she said I was grandfathered. There was some new regulation that just came out in XXXX. I tried to look this up and there is nothing on the internet. So, this is XXXX different answers to the denial. Both are not relevant. 
Then I got a letter from XXXX XXXX saying she would like to help me, but it is to late due to the sheriff sale. How can this happen? 
Yesterday, I talked to XXXX XXXX who said he is investigating the matter. 
He said he had until XXXX XXXX to investigate but would hurry it up due to the sale on Tuesday. There is a huge problem because I do n't know if he can investigate this prior to the sale. There is not enough time! Why do n't they pick up the phone and call their lawyers XXXX, XXXX and postpone the sale so they have the time to investigate this properly. I can not sleep and am down to XXXX pounds due to the XXXX and XXXX this bank has put me through. XXXX ( {$20.00} XXXX ) and have never seen such consumer fraud. 
Please help me. There are only XXXX business days left until the sheriff sale.
Product: Mortgage

I purchased a new home and closed with a lender in XX/XX/XXXX. At the time, I put 5 % down due to how much the home has appreciated since beginning the construction. Currently, the loan to value ratio is sitting at 72 % primarily due to the appreciation of the area. During closing, the bank 's appraisal came in at XXXX, however we owe XXXX. As a result, we requested US Bank ( who purchased the loan ) to remove the private mortgage insurance as we are well below the 80 % requirement. US Bank, despite having the appraisal on record from the bank they purchased the loan from, denied the removal. After being notified they are in violation of the Homeowners Protection Act of 1998, they stated " it is their policy ''. We submitted our request within the 90 days an appraisal is generally good for and will provide it to the CFPB upon request.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit reports and noticed a number of inaccurate, invalid, incomplete, and unauthorized accounts listed on my credit report and file. My information was included in the Equifax Data Breach as well as the XXXX and XXXX data breach. I am in the process of getting a mortgage and these unauthorized accounts are ruining my reputation with the banking system. I Need these unauthorized accounts removed immediately. I sent XXXX equifax, and XXXX a letter disputing these accounts more than 30 days ago and they have been ignoring my letters. I know that per federal law the credit reporting agencies MUST respond within 30 days and it's been more than 30 days since they received my letter and haven't responded. These accounts listed on my credit report MUST be ACCURATE as well and they are not. this is UNFAIR and severely damaging my reputation. REMOVE ALL INACCURATE, INCOMPLETE, AND UNAUTHORIZED ACCOUNTS IMMEDIATELY!!
Product: Debt collection

XXXX has sold a debt they believe to be valid to a collections agency. That agency has repeatedly called me at approximately XXXX, well outside of acceptable times. The collections agency claims they are calling based on the phone number on the account being a number located in the XXXX Zone, but the account with XXXX has always had, and continues to have, a mailing address in XXXX, CA, located in XXXX XXXX. There is no reason that the collections agency should be contacting me outside of XXXX to XXXX XXXX XXXX, given that they clearly have my correct address and location. 

As evidence, I have presented a screenshot of recent calls over a 2 day period from the number claiming to be the collections agency. If necessary, I can provide evidence through XXXX XXXX XXXX current provider of the phone number being called/harassed ) of dozens of calls, every weekday for several months.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I refinanced a previous loan with OppLoans into a new loan of {$3000.00}, with an APR of 58.79 %. Of this amount, only {$670.00} was disbursed directly to me, while the remainder was applied to pay off the prior loan. The high APR significantly increased my repayment burden, and I struggled to keep up with payments due to financial hardship. As a result, the loan went into default and was later charged off. 
OppLoans has since hired a collection agency, XXXX, to recover the debt. I contacted XXXX to negotiate a payoff rate, which was approved. However, I also submitted a request for a pay-for-deletion agreement to remove the negative reporting from my credit report. Despite this, I have not received a response regarding my pay-for-deletion request. 
Additionally, OppLoans continues to report late payments on my credit report, even after the loan was charged off. I believe this practice is inaccurate and may violate the Fair Credit Reporting Act ( FCRA ). I also have concerns about the loan 's refinancing terms and high APR, which may have disproportionately increased my financial burden and could be considered predatory under Georgia law. 
I am seeking a resolution that includes the removal of all negative reporting from my credit report, acknowledgment of my financial hardship, and a review of OppLoans refinancing practices and compliance with consumer protection laws.
Product: Prepaid card

BOA PREPAID CARD OPERATION : MY Claim number : XXXX I am a victm of EED fraud. I filled a complaint with CFPB on XX/XX/XXXX against BOA prepaid claims department. 

I filed for EED benefits back in XXXX. The money that was rightfuly mines, was stolen from me be sacmmers who used my card to make unauthorized transactions and withdrew money from varies ATMS.I have filed numerous claims with BOA. BOA denied every one : " stating that I made or gave somone authorization to use my card. Which is unture. I did NOT make these transactions nor did I ever give anyone my personal information to do so. I made a police report with my local police department to document the fraud. I have requested BOA to provide evidence that they relied upon to make their decision. but they have failed to provide anything to me. I would like to see ATM footage or any proof to prove that it was me which they are stating. BOA states that I have " the right to request the information that BOA relied upon to deny my claim '' I have requested that information but have not got anythin! It's going on two years now. I have not recieved any of my EDD money. I have been experiencing great harship, I have been evicted out my home and lost alot. I need help to get my money back because BOA is violationg the law. BOA still denied my claim! BOA has continued to violate ( Regulation E ) Federal Electronic Funds Transfer Act.BY LAW, BOA MUST abide by their ZERO LIABILITY POLICY which is supposed to protect me, The customer from responsible for fraudulent transactions!
Product: Credit card or prepaid card

the account was closed and marked as bad credit without proper notice or time to make payments current
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated XXXX XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was done to my credit report from XXXX XXXX, and I have not applied for any XXXX XXXX I already have two that are active
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Bank account or service

I have filed this complaint before and received a robots response of " The banks right to approve or deny a transaction even if there are no funds in the account. '' Paraphrased of course. Or the common term " Banks Discretion. '' Well last time I filed here I got a call from them and the rep upset me more. I let it go and went to the BBB. I got a letters response basically telling me that its in the " Fine Print '' or account disclosures. Which I responded with the single question of " WHAT CHANGED ON THE ACCOUNT BETWEEN LAST YEAR AND THIS YEAR AS TO WHY ITS THE " BANKS DISCRETION '' TO APPROVE OR DENY PAYMENT ON CHARGES THAT WOULD TAKE MY ACCOUNT OVER MY BALANCE? '' Copied verbatim from the BBB complaint. Thats the Question that has been skated around with a response of 'The Banks discretion '' and " The right to approve or deny .... '' Which does not really answer the question. I have about 3 emails since XXXX of 2015 saying that the payment method has been declined but will try again in a couple days or to change my credit card number. Basically the bank denied these charges 3 or more times previously, so i want to know why now all a sudden they allow them to be approved, as with more than a year ago they were declined? WHAT CHANGED ... ..? I would like research to be done as to WHAT CHANGED ... XXXX And the response of " Banks Discretion '' and " the right to approve or deny '' will not fly with me cause if it was your right not to pay it before even tho it was a recurring charge then as it is now, why change that right and pay it causing me to be over drafted? The last bank I was with didnt do that to me, why is it this bank is doing that to me? I understand I wasnt charged an NSF fee, thank you. But I would like to avoid all kinds of fees all together. And stopping recurring payments can not be done cause of these are subscription services and the only way to have them is to have it set up with a card. Its ok if they get denied. Ive seen they give about 2 weeks for the payment to go thru, which is enough time for it to go thru.
Product: Payday loan, title loan, or personal loan

I received an email to apply for a loan while I was searching credit card offers through XXXX. I needed {$700.00}. I applied online with XXXX. They sent an email asking me to sign documents. I did and they said congratulations, they are sending me XXXX to my bank account, which they did. THEN they sent me the repayment schedule. They want me to pay them {$320.00} every two weeks for six months for a total of {$3800.00}! They did not disclose that it would be that much and for that long. They just asked me what dates I wanted to set up payments. I did not want XXXX only {$700.00}. I can not afford this loan! This is as predatory as it gets! I didn't understand it and I didn't realize what I was getting into! I will have to claim bankruptcy which is said because I was using this loan to try and build my credit. I just found out today that I am being laid off and now I am in real trouble. I don't think lenders like this should be allowed to operate. They told me it is too late to rescind it. I just don't want to live if my life is going to be like this. I won't even be able to pay my rent.
Product: Bank account or service

Every XXXX and XXXX of the month I am paid via paper check from my employer. It is the same check drawn off of XXXX XXXX XXXX. Wells Fargo always places a hold on my check and tells me that {$200.00} will be available on the day for example ( XX/XX/XXXX or XX/XX/XXXX ) but when the clock changes to XXXX that is technically the next day. The funds are not being made available on the exact date but hours later after their " processing times '' I have told them multiple times about the issue and nothing is being done. The bank always successfully collects the funds from the account that it 's drawn off of. The bank has NEVER received a returned deposit item from me and yet they continue to place a hold on my paycheck. They claim that the " system '' is putting the hold on it but not them. No other employee at my company has this issue and the funds are always available I know because I am the XXXX. I can show proof at all times that funds are available in the account that its drawn off of but they still place a hold on my funds, receive the funds from XXXX XXXX XXXX and still have a hold on it. This is unacceptable and something needs to be done. I have reported this to their executive offices and local branches with no resolution.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX Balance : {$31.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX, XXXX XXXX XXXX, XXXX XXXX BANK 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: Debt collection

I had medic al Insurance an d they refused to take down information. I was on public assistance and I had a government issue insurance in  XXXX , PA   XXXX   XXXX    DOB   XX/XX/1971    PA address   XXXX   XXXX   XXXX   XXXX   , PA  XXXX
Product: Credit reporting

I have been disputing and demanding deletion of accounts and inaccuracies on my credit report for weeks now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. NOT MINE BELONGS TO A DIFFERENT PERSON WITH SMILIER INFORMATION. Please be advised that this is not my account, but a detect sent pursuant to the Fair Practices Act 1 : USC 1692g Sec 809 ( b ) I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information?
Product: Mortgage

In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX XXXX children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been XXXX month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove fraudulent negative accounts from my report that are not mine. I have tried to submit disputes on-line and now they have blocked access to me doing so. This is in violation of the FCRA.
Product: Debt collection

ZIONSDEBTHOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with ZIONS DEBT HOLDINGS. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, ZIONS DEBT HOLDINGS has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
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 Fraud 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, credit repair services, or other personal consumer reports

XXXX has reported a {$280.00} debt on my Transunion credit report. I havent done any business with this company. I dont know who this company is. 
Please delete this off of my credit report immediately.