23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX  XXXX Account Number : XXXX bal. {$710.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX bal. {$8400.00} Account Name : XXXX Account Number : XXXX bal. {$820.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX bal. {$510.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX bal. {$640.00} XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX XXXX making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXXXXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Mortgage

My husband and I have a FHA home loan with this company and our forbearance is due to expire. We have had many instances of inaccurate information, duplicate forms being sent l, and a tremendous problem with finding clarity with the options available for our mortgage. We have filled out mortgage assistance applications only to be sent blank ones again in the mail over and over again. When we call and verify their receipt of certain documents or to inquire about certain program availability, we are met with conflicting information or no information at all. It is extremely frustrating to gather all of the information for the documents that have been requested from us only to be told that they have NOT received them days later or we are asked to fill them out again. This process with this company has been a complete and total nightmare. We are not fully aware of our options. We have no idea where our account stands. We dont even know who to talk to. Our account is NEVER notated correctly. On top of that when we call in, we are met with rude and bullying representatives constantly. We would like to resolve this issue with our finance company to ensure that we can stay in our home but at this point, we are terrified to continue dealing with this company during this trying time. Their lack of urgency to ensure that their customers know what options are available to them and how to correctly apply for an inquire about these programs. I have recently been diagnosed with a XXXX XXXX and this process has not allowed my family and me to focus on my health.
Product: Checking or savings account

I opened checking account with CITI in order for me to receive bonus if I will meet criteria. One of the conditions was that I have to make a direct deposit of certain amount and another that I have to transfer money from my XXXX XXXX  to CITI. I established direct deposit and the first transfer of {$300.00} was made to CITI checking. But problem began after I had to transfer money from my chase account to CITI. The website of CITI had no option to do this. I decided to call them and discuss this problem, but was unsuccessful. I spent huge amount of time on a phone, called numerous times, sometimes waiting more than 1hr on hold and then phone calls were disconnected. Unable to reach anybody, I decided to tranfer my {$300.00} dollars from CITI to my XXXX  account. I made transfer from chase website and in several days, after talking with a XXXX   representative over the phone found out that transfer didn't go through because of insufficient funds on CITI checking account. When I went to CITI account, I still see my {$300.00} on my cheching account. Now I don't know what to do. To close account I have to talk to a representative, but I can not reach anybody. No branches of CItibank exists in my area ( zip XXXX ) and around. So I'm stuck and need your help. Thank you very much in advance.
Product: Mortgage

RE : Loan XXXX - XXXX Loan XXXX - STEARNS Property : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

1. I, XXXX XXXX, refinanced with XXXX XXXX on XX/XX/2018. Stearns was my existing payoff lender, and sent a payoff good through XX/XX/2018. 

2. The Funds from Title went to Stearns on XX/XX/2018. 

3. Stearns and XXXX XXXX both confirmed that Stearns would transfer the funds to XXXX XXXX. Instead, The payoff funds were held by Stearns, and then returned back to escrow. 

4. Escrow immediately notified me on XX/XX/2018, and I requested an immediate wiring of funds to XXXX XXXX, since Stearns was not accepting the payoff funds. 

5. Because payoff date was erroneously labeled as XX/XX/2018 by XXXX XXXX, I was now SHORT of funds to XXXX XXXX. XXXX removed money out of my escrow balance to cover the difference. 

6. This is the problem : My funding/recording date is technically XX/XX/2018 NOT XX/XX/2018. I have been paying interest to BOTH XXXX XXXX AND Stearns/XXXX during this overlap. 

My Escrow Balance should be {$2600.00} NOT {$2000.00} My Principal Balance was {$420000.00} after XX/XX/XXXX Payment was made. 

- See attached final closing statement from title to prove funding date of XX/XX/2018. 
- See attached Grant Deed from county to prove recording of XXXX XXXX was on XX/XX/2018 - See attached payoff from Stearns that it was good through XX/XX/2018 which is past the closing date of the refinance. 
- See Escrow Balance on Account History and Mortgage Statement. And See Attached Check Receipt on my refund of only {$2000.00}. Stearns/XXXX overcharged interest, and took it out of the escrow account.
Product: Checking or savings account

Regarding Robinhood inc. 

I have requested to have my account closed for more than 10 business days with no response, The issue began with there company not letting me use my funds that I deposited instantly to the checking account, that why they offer a spending card right? Well after them holding my funds, and not clarifying, resolving or corrosponding with me via the phone I would get a no info response and chat via web app the agent will close my ticket before responding to my requests to close account. There is {$550.00} in that account and Iam asking for help to get Robinhood to formerly close my account after transferring back my funds to the original deposit route via card XXXX. Or my XXXX XXXX linked to the account as well either method is okay I just want my account closed I owe no fees and no pending transactions. Please help me with this, I've read nothing but horror storys with this company upon further research and I'm just asking to return the funds to it's origin and close my account I do not want to do future business with them, Customer service is rude, poor and negligent.
Product: Checking or savings account

I contacted my bank, Midfirst Bank, on the evening of XX/XX/2019 informing of fraudulent transactions processed on my checking account. At the time I was only aware of 3 separate transactions of {$17.00} each processed on the same day. I filled out a dispute form explaining these charges were fraudulent and was given a new debit card. I informed the banker I have a XXXX account, however, I use my Midfirst Credit Card to pay my monthly fees. The dispute department researched and declined my fraud claim because they said there was a pattern of charges. I called the area manager furious about this decision. She explained to me that there were separate charges for different amounts going back to XX/XX/2019. She assured me that I could fill out another dispute form and she would forward them to the appropriate department for review. Within a week or so of the newly resubmitted forms I received some letters stating they found fault with the transactions from XXXX, XXXX, and XXXX. However, they stated they would not refund the transactions from XXXX and XXXX. In other words, even though the debit card was compromised they refunded some of the XXXX charges, however, refused to credit back the 6 charges totalling {$100.00}. Some of these charges have alleged signatures and some are labeled as XXXX. I spoke with the area manager a few days ago, actually going into the bank stating that I would like to resubmit a form for fraud on the remaining 6 transactions. She stated, " I wouldn't worry about submitting the forms again, they'll just get rejected again. '' Is that how a banking manager should act toward a customer? Taking away my right to dispute fraudulent transactions. I wanted a copy of my signature, and proof that I authorized those transactions. Proof they could not provide. I attempted numerous times speaking with the area manager and someone who is above her. As a longtime customer of Midfirst this situation is extremely frustrating. All they had to do is make the situation right, it's just that simple.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX of {$300.00} that posted to my account on the XXXX. However, the credit card company will not release the funds even though its posted. 

I called and they said can't release available credit for 14 days. I asked to speak to a manager. The manager said the same thing. I was told NOBODY has the ability to release the credit. I then asked to speak to his manager. I was told manager would tell me the same thing but put me in a queue. I heard music and then suddenly it stopped and I hear dead air but the call is still connected. 40 minutes and nobody is speaking. 

I have an emergency and they have taken my money from my account but refuse to release it. Then I just got ghosted. As I'm typing this, the call is still connected but dead air. Nobody will respond. 

This is unacceptable. They have taken my money and refuse to release it.
Product: Mortgage

I am a 100 percent total and permanent service connected XXXX XXXX  veteran with full custody of my son and XXXX  daughter. 
On XX/XX/XXXX I submitted to Freedom Mortgage for Covid Modification and any additional VA modification that was available due to the fact that my covid forbearance ended and my wife who was a financial contributor of the home had passed away shortly before that date. 
At this time XX/XX/XXXX I have not yet received a modification agreement nor according to Freedom Mortgage has one been drafted at this time. 
Freedom Mortgage stated Verbally that they were drafting a modification payment of XXXX XXXX monthly which included all escrow dues that would be due beginning XX/XX/XXXX pending my agreement. 

Again, I have not received a modification agreement, rather I was sent an invoice/bill on XX/XX/XXXX. 
The invoice reflects : New Payment Amount : {$1500.00} New Payment Effective Date : XX/XX/XXXX. 

Additionally, my property is uninhabitable due to 2 insurance claims that began on XX/XX/XXXX. After 3 years, the insurance company has sent checks to begin repairs on the home made out to myself and Freedom Mortgage. On XX/XX/XXXX I sent the required information and check on the first claim to Freedom Mortgage. After several attempts requesting return of check, Freedom Mortgage stated that their investors did not feel comfortable releasing the funds to me ; then recanted this statement indicating that the investors did not feel comfortable releasing the FULL amount to me and that they would be sending me a check for half of the amount. However, I have yet to receive said check. I am current on payments, according to the modification they claim they instated. 

Lastly, as a side note -each time I inquire on these concerns I am questioned about the habitation of the home ; even with their knowledge that it is still uninhabitable as deemed by the state of NC which leads me to believe they are attempting to strip me of the home. My most recent encounter with a Freedom Mortgage employee ( XX/XX/XXXX ) was unprofessional to say the least. Her response to my concerns of the bill that was sent to me was laughter. Not only is this unprofessional, it is offensive to a customer who is on all accounts becoming homeless if this can not be resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted 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 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
Product: Student loan

The XXXX XXXX of XXXX, a branch of the XXXX XXXX XXXX XXXX, claims that they are an accredited college. Yet while trying to find options to consolidate and refinance my student loan they are absent from all lenders list of Title IV schools. Therefore I do n't have the option to refinance and lower my rate. My loans are through Navient, who the XXXX XXXX XXXX XXXX directed me to use as a lender. I have a variable rate interest that can be raised at their discretion and the rates continue to go up every month. The XXXX XXXX XXXX XXXX is misleading by saying that they are accredited. What is my recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having issue with obtaining my consumer report from Lexis Nexis. I spoke with XXXX ( ID # XXXX ) on XX/XX/22. I was informed that I asked for a security freeze on XX/XX/22 and I unsuccessfully attempted to order my consumer report on XX/XX/22 and again on XX/XX/22. They informed me that the request was unsuccessful because the information did not match. The irony is, they sent out a letter on XX/XX/22 to let me know my information did not match, XXXX weeks from the initial request, but this is the exact same information I provided to them on the phone on XX/XX/22. 

Furthermore, they claim that they sent the report out on XX/XX/22 ( after I spoke with them on the phone ) but I still have not received anything. After speaking with them on XX/XX/22 said they have submitted another request to send me the information I need to access the file. As of today, again I have not received anything from. From what I understand according to the FCRA I have the right to a free report once a year. With or without this report, I want any and all penalties to be enforced on this company. This has to violate every right that exists to a consumer.
Product: Debt collection

Company made numerous calls following dispute of debt in violation of FDCPA.
Product: Debt collection

I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XX/XX/2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.
Product: Payday loan, title loan, personal loan, or advance loan

I received a pre-qualification in the mail from One Financial. So on XX/XX/year> I decided to move forward and apply online with my offer code they sent me. After I gave all my information it stated that I was approved... not qualified..not pre-approved but actually approved for a loan up to {$10000.00}. Imagine how overjoyed I was because it has been a financial struggle lately. So I get an email saying they just needed to very my information and that they needed to my vehicle registration information and my insurance information which I think is weird for a personal loan request. So I sent all my information plus the unusual request for my vehicle information..in addition they wouldn't accept my bank account but I sent emails advising that I could provide bank statements. I get a text message at about XXXX XXXX  that said congratulations that I had been approved and to call for an intro call. I called and no answer. But I received a call back two hours later saying they wanted to go over my info... then after XXXX mins she said let me send to my underwriters. I said why it's already been approved..she comes back and said they have no loan options for me and that I was denied. I said mam. I have a text message and online said I was approved. She said no that was pre-qualification. I said mam online did not say that and neither did my text message. I told her that misleading customers to believing they are approved is deceptive. I am heartbroken by the decision because they lead me to believe I was approved and I needed that money to catch up on bills. They lied and provided fraudulent information. They need to have their lending license revoked. They wouldn't even allow me to provide my bank statements!!! Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
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 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations