23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for assistance in saving my home from foreclosure with BSI Financial. I hired an attorney to help me with my application. My attorney submitted my application on XXXX/XXXX/XXXX. BSI denied my application on XXXX/XXXX/XXXX stating my current contractual payment was below XXXX % of my gross monthly income. However, BSI made an error and used my Contractually due payment from XX/XX/XXXX in the review ( {$2100.00} ). Per HAMP guidelines they are not supposed to be using my Contractually due payment ( from XX/XX/XXXX ) in the review. They are supposed to be using my XXXX contractually due payment, which is {$2500.00}. My attorney was advised I would have to appeal the denial and we did so on XXXX XXXX, XXXX. Since XXXX XXXX, XXXX BSI has refused to respond to my appeal. I am told that per guidelines and RESPA Reg X, my servicer is not supposed to evade review and must reply to my appeal in 30 days. Today it has been 64 days since my appeal and I still have no response from BSI.
Product: Debt collection

First of all I never received anything in regards to this debt, it just magically appeared on my credit report. I have tried to contact Midland Funding , LLC numerous times to get them to fix some inaccuracies they are reporting across the XXXX credit bureaus. I sent a direct dispute on XXXX/XXXX/2015 which I never received a response to, then sent another one on XX/XX/2015. I contacted Midland Funding , LLC and spoke with someone who was clearly only reading from a script who told me they sent out a response to my direct dispute dated XX/XX/2015 on XX/XX/2015, which I have yet to receive. The main issue that I have with them is that on my Equifax report they are reporting as the ORIGINAL CREDITOR. On XXXX and XXXX they are reporting correcting, that they are a debt collector collecting for the Original Creditor XXXX. I 've noticed a lot of people have the same problems with Midland Funding , LLC. Everyone I have spoken with at their offices calls me a criminal and one of them even used curse words at me. This is not an acceptable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two collection accounts from XXXX XXXX that is being reported to my credit file from XXXX, XXXX, and TransUnion and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Product: Mortgage

XXXX XXXX listed his property for sale on XX/XX/XXXX. An offer was received on XX/XX/XXXX in the amount of {$330000.00} from a well-qualified buyer. The offer received is sufficient to pay the XXXX and XXXX mortgages off entirely. A short sale would not be necessary and we are not requesting that the bank waive any resulting deficiency as all will be paid off through this transaction. 

A foreclosure sale date has been scheduled for XX/XX/XXXX and, in all of the borrower 's ( XXXX ) discussions with Ocwen, they will not agree to postpone in order for us to close on this transaction. XXXX has been working with Ocwen asking them for a postponement so that he can complete the sale of his property and they will not postpone. It is in Ocwen 's best interest, as well as their investor 's to postpone this sale and receive a full payoff on the note. 

Furthermore, XXXX performed XXXX military service in the XXXX during XX/XX/XXXX, thereby affording him protection under Servicemembers Civil Relief Act ( SCRA ). As you should be aware, real property owned by a service member before military service that is secured by a mortgage or deed of trust can not be foreclosed upon, sold, or seized during the period of XXXX or up to XXXX months after service without acourt order or the written agreement of the service member. Compliance with this law ismandatory. Failure to comply with this requirement voids the sale or foreclosure and maysubject a creditor to sanctions.
Product: Debt collection

For the past XXXX years, we have been receiving calls from Harris and Harris, a debt collection agency out of XXXX attempting to collect a debt that is not ours. The person they are looking for is clearly not at our address and has not lived at this address for almost XXXX years ( they were a tenant in a property we own ). I have called the company and explained the issue and that the person they are looking for is not at this address, however, the calls continue ( approximately XXXX per week ).
Product: Checking or savings account

XX/XX/2023 an invoice paid in person - card present payment with emv chip inserted at terminal. 

In less than an hour. The transaction was flag by square. Payment held by square. 

XX/XX/XXXX, XXXX Customer disputed the transaction. 

I challenged the dispute. Documents and other relevant info submitted to square. 

XX/XX/2023 - My account was deactivated by square Account funds were on hold for 90 days before square transfer funds to my external checking account XX/XX/2023. - I follow up on status of my account. 

Square team told me that my account is back to normal status. 

However, I had doubts and it clearly shows. The square company does not have credible communications inside their company. 

XXXX XXXX. Square sent an update on my dispute. Reporting the bank review and investigation done by the customer bank. 
The final result was in my favor. I won the dispute challenge. 

On the email it clearly noted the bank credited and deposited the disputed amount to square. 

However, when I called square. They are not giving me the funds from the disputed transaction and will be holding it again for 90 days. 

Moreover, I already waited and followed all the policy and procedures of transaction dispute. The bank already decided my challenge that the transaction was valid and I officially earned the funds that my business worked on. 

Why square had to hold the funds in addition to the funds thats on my square account amounting to {$6800.00}.
Product: Credit card or prepaid card

I tried to change my flight with the airline. I contacted the customer service department and was put on hold for an hour without anyone helping me. I disputed the charge with the credit card company and was refunded the money. The airline decided to respond to the claim AFTER the trip was scheduled and the credit card charged my account again. This is very deceptive. I should not have been refunded the money only to be charged AFTER the flights were to take place.

Document attached is what was sent to me by the back. It states I was a no show. I was refunded the money therefore I didn't think it was legal for me to use the ticket. I would have been stealing from the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts that i put in template has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. To remove.
Product: Debt collection

I attempted to contact greystar to figure out who owns my debt- the property or the collector. After waiting in the line for 30 minutes as well as leaving a voicemail with XXXX XXXX which went unanswered I was able to speak with a woman on XX/XX/year> who told me that the debt is now in the collectors hands and any communication about it must be with them, and she cant tell me anything about the debt or help me at all. When I spoke to XXXX from Columbia Debt Recovery on XX/XX/year>, she refused to answer whether or not they own my debt, and whether it is legal or appropriate to charge me interest. She repeatedly stated its only a small amount to imply that I should just pay it regardless. The company is withholding information so that I cant help myself remove myself from this debt.
Product: Credit card

DEAR BANK OF AMERICA ; I was shocked when I reviewed my credit report and found late payment, negative, and chargeoff and collections account on my credit report from your bank. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 
Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial well-being.
Product: Mortgage

I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with  XXXX   XXXX . It is administered with  XXXX   XXXX  agency a member of  XXXX   XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results.     I am having issues with them now because my mortgage company,  DItech, has not  received the  XXXX  payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau.  XXXX  let me know my payment was late around the middle of  XXXX . I called  XXXX  on  XXXX   XXXX  and they (  XXXX   ) to ld me they were aware that a check they sent to Ditech had not been cashed.  XXXX  gave me a  XXXX  tracking number for the check they said was delivered on  XXXX   XXXX . I called  XXXX  and they looked up the tracking number. There was no such number with  XXXX  or the US postal service.     I called  XXXX  on  XXXX   XXXX  and talked to  XXXX . He said he would escalate the problem and I would hear back in  24-48 ho urs from  XXXX  the supervisor. I never heard from  XXXX . I called  XXXX  again on  XXXX   XXXX  and talked to  XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today,  XXXX   XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering  XXXX  's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from XXXX a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from XXXX  a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called XXXX to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with Experian - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from Experian with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.
Product: Credit card

The company, who have been repeatedly informed that I am in XXXX and can not call them and need to have their answers in writing, kept calling to my XXXX phone number and sending me messages " we called you, but you were not available ''. The CFPB complaints have not been answered for over a months, but there have been " updates '' - the company is still working on it, Yes, they have been " working '' - have just received an update to my credit report, stating that I am over the credit limit, because nobody reduced the payments, as per my repeated requests, but instead piled them up. 
Well now, my credit is totally ruined, XXXX has began the chain reaction, with no reason and no cause, BofA and XXXX followed with reducing the credit limits, thereby reducing and reducing my credit rating, AND removing my access to cash, thereby killing my business and leaving me with no ability to pay my medical bills in XXXX, thus excluding the reimbursement by my insurance. In short, XXXX, BofA, and XXXX have not only made a total financial ruin out of me, but did all they could for me not being able to pay them. 
I have not been able to close my BofA XXXX account before they made it overdue and overlimit, as I had been expecting their promised assistance, And I can not close it now, because, they do not let me to do it on line and their so called chat would not do it either, because I am in XXXX, Nor can I change my address, IT IS A BLOODY NIGHTMARE - an XXXX XXXX had to be cancelled, the business deal has been recalled, the credit rating has plunged from the top to the bottom, This is my financial end
Product: Money transfer, virtual currency, or money service

I had a cashapp account it was the first one I had in my name XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I had sold a item and was transfered {$600.00} + or - and it was immediately transfered out my account I also immediately contacted customer support XXXX i want to say that it was in XXXX XXXX XXXX XXXX with them over the money for days until I couldn't get an answer I approved of. So I closed my account until a further date I ended up opening up a new one for personal use. My phone number is ( XXXX ) XXXX my email i used was XXXX. if theirs any more info needed please let me know. 
Thank you Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Open Back XX/XX/2008 Close and pay To old to be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name with XXXXXXXX XXXX. I am a victim of identity theft and my personal information was stolen to open accounts with sofi and other lending institutions. I contacted XXXX regarding this matter, and after investigation they deemed no fraud occurred. XXXXXXXX XXXX  has failed the duty by not doing a proper investigation, only telling me the account is accurate due to the fact a fraudulent/stolen identification was used.
Product: Debt collection

I received a debt collection letter dated XX/XX/XXXX last year. When reviewing the information, I realized this was related to a fraud incident that occurred much earlier in the year, which was thankfully already handled by XXXX bank XXXX XXXX XXXX Bank, and lost funds were returned to my account. I responded to the letter on the debt XXXX website at https : //www.connectcw.com/disputes/. I never heard anything back until they placed the debt on my credit report. 

The letter I sent to them is provided below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attention : XXXX Department Dear Caine & Weiner, I am writing to formally dispute and request the cessation of collection efforts regarding an alleged debt listed under my name for the amount of {$44000.00}. This debt is purportedly related to a transaction involving cryptocurrency through XXXX marketplace, which I did not authorize. XXXX XXXX  is believed to be a defunct crypto affiliated business that was pulling several large amounts out of my business bank account under my NJ XXXX. 

I want to clarify that this debt stemmed from various fraudulent charges, which have already been disputed with my business banking partner, XXXX XXXX. After thorough review with substantial documentation supporting my claim and many phone conversations with the XXXX XXXX XXXX department, XXXX XXXX concluded that the charges were indeed unauthorized. Consequently, they reversed the transactions and returned the full amount to my business bank account. 

Given these facts, I insist that Caine & Weiner immediately cease all collection activities related to this disputed amount. Continuing to pursue this debt would be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and could lead to legal repercussions. 

Furthermore, I request that you : Confirm in writing that you have ceased collection efforts on this debt. 
Update your records to reflect that this debt is no longer valid or collectible. 
Notify all credit reporting agencies to which you may have reported this debt, to remove any listing associated with this account from my credit report. 

Please provide me with written confirmation of these actions. In addition to this response to you I will also be filing a claim with the CFPB. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a finance lease with Hyundai. For the last two months Hyundai have been adding fees to my monthly payment, which is suppose to be $ XXXX Monthly Payments with 0 % apr and 0 % fees. My monthly payment is always slated for XXXX of every month. 

The month of XXXX Hyundai added additional {$35.00} to my account without any explanation. As at the month of XXXX I had outstanding total balance of {$880.00} from the month of XXXX with the money payment of {$480.00} for the month of XXXX, which brings my total payment bal for the month of XXXX to {$1300.00}. I paid {$500.00} on the XXXXXXXX XXXX XXXXXXXX, which bring my bal down to {$870.00} for the month of XXXX. 


But, Hyundai did not send me the accurate amount, they added additional {$35.00} to my statement account. The payment of {$910.00} was stipulated on my account for XXXX instead of {$870.00}. 

It did not stopped there, I made payment of {$500.00} on the first of XXXX and made another payment of {$100.00} on the XXXXXXXX XXXX XXXXXXXX, which reduced my account bal to {$810.00} as at XX/XX/2023. To my surprise this morning, they sent statement of {$1300.00} instead of {$810.00} + XXXX monthly payment for XXXX equals {$1200.00}. 


To note this has been normal financial services misappropriation for Hyundai finance and I hope this could be litigated and fine the company of rubbing their loyal customer against the consumer finance law. 

This have been an act of corporate fraud and abused taking from loyal customers, as this is not the first time I will report Hyundai finance of misappropriation and going against their policies and contracts. 

If Hyundai keep additional invisible bills to their customers accounts, when shall we meet up with the bal payment? 

I received confirmation for all the transactions, which I have included the paper trail as evidence below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX   is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.
Product: Debt collection

After reviewing the unverified information or documents provided. I refuse to pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The date opened doesnt match the date opened on XXXX and Experian. therefore I would like this account to be removed and cleared from my credit report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX * XXXX has already deleted the account due to the dates not matching.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681, I have the right to privacy. My account beginning with XXXX has been subject to violations. According to the report, the collection agencies reported the past due dates on my account which is a violation per 15 USC 1681. I want these improper reports to be removed immediately from my account.
Product: Credit reporting or other personal consumer reports

I am writing to vehemently dispute the unauthorized reinsertion of hard inquiries on my credit report. Despite previous complaints and their subsequent removal, these inquiries have been reinserted without my knowledge or consent. This action is not only outrageous but also a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) ( ii ).