23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, these accounts I had nothing to do with.
Product: Credit reporting or other personal consumer reports

According to the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602. States I have the right to privacy 15 USC, 1681 section 604 section 2. It also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B not a payment on a credit card account under an open consumer credit plan as late for any purpose These Accounts are 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
Product: Credit reporting

Syncrhony bank payment history of false penalty of 30 day late notice : 1 ) Paid {$30.00} dollar payment on XXXX/XXXX/15 2 ) Late fees charged on XXXX/XXXX/15 equals {$35.00} 3 ) Interest charged on XXXX/XXXX/15 equals {$2.00} 4 ) Payment due on XXXX/XXXX/15 equals {$44.00} 5 ) Paid full balance on XXXX/XXXX/15 of {$140.00} Synchrony on XXXX/XXXX/15 put a negative 30 day non-payment on my XXXX credit report. Total time between XXXX/XXXX/15 and XXXX/XXXX/15 equals 12 days, not exceeding the 30 days late period. 

I see many negative reports regarding the business practice of this company in regards to customer service and billing. I 've held a XXXX plus credit score for many years only to have this company drop me by XXXX points due to their unethical business
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to Equifax, but they have indicated I need to submit a fraud report through CFPB.
Product: Mortgage

In XX/XX/2016 I worked with synergyone lending for a mortgage of {$230000.00}. I am a XXXX  and they promised me that they were authorized to help me take part in a XXXX grant program. After constant phone calls all through the process about how to do it and making sure everything was right, I started my application and put in my offer. My offer was accepted so I started the work of going through the loan process. I was in contact with synergy one and XXXX XXXX 's loan team until the week before I was supposed to close. During the month I continually asked to lock my rate. They said that was not possible, which I later found out is a complete lie and was actually illegal. Suddenly at the last week, they disappeared. I couldn't reach anyone. No one would return my calls or answer them. They had a secretary consistently say they couldn't talk. Then, when my closing date was already past due, they finally contacted me and said that I couldn't do the XXXX grant program anymore and if I wanted to close on the loan, then I'd have to accept the one they put up for me already. Everything was changed. The loan terms, the interest rate quote, the amount I had to put down. In the end they cost me about {$18000.00} that I was expecting to pay towards the student loans I had, that I now get to pay interest on instead. This group out right lied to me and did illegal things. I posted on yelp and was contacted by their Vice President who said it was just and unfortunate incident and they couldn't do anything about it anymore. These criminals should be locked up.
Product: Credit reporting or other personal consumer reports

I recently Reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an acccount that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XXXX not requesting you to investigate my XXXX  XXXX XXXX payments and Update these payments to paid on time immediately. Thank you for your understand and prompt action.
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 Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

This debt collection company is not licensed to collect debts in the state that I live in. I have received an overwhelming number of calls to the point of harassment. I want this debt to be removed from my credit report.
Product: Checking or savings account

Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions
Product: Checking or savings account

I am writing to file a formal complaint against Chase Bank regarding an incident that occurred on XX/XX/XXXX, which resulted in unauthorized charges that caused my account to overdraft. Despite my efforts to resolve the matter directly with Chase Bank, I believe that my concerns have not been adequately addressed, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this issue. 
On XX/XX/XXXX, I noticed several unauthorized charges on my Chase Bank account. These charges were made without my consent or knowledge, and they resulted in my account being overdrawn. 

Immediately upon discovering these unauthorized charges, I contacted Chase Bank 's customer service department to report the issue and dispute the charges. I provided all the necessary information and documentation to support my claim that these charges done on XX/XX/XXXX were unauthorized. 

When i filed my dispute I was assured by a customer service representative that an investigation would be conducted and a temporary credit will be posted to my account while they conduct the investigation. but that did NOT happen, i never received a temporary credit while dispute i filed was being investigated. 

I have not been able to use my account or have access to my money that was taken since this incident because they would not provide a credit like they said they would. 

Despite the assurance of an investigation, I have not received any resolutions from Chase Bank regarding the unauthorized charges. 
The charges made on XX/XX/XXXX Were unauthorized. 
I been trying to get this account resolved for over a month. 
Furthermore, I continue to incur overdraft fees and other financial hardships as a result of this incident. 
I should not be held accountable for charges i did NOT make. 

I believe that Chase Bank 's handling of this matter is in violation of my consumer rights and the regulations set forth by the CFPB. I have made every effort to resolve this issue through direct communication with the bank, but their lack of responsiveness and inaction has left me with no choice but to escalate this complaint to the CFPB for assistance and intervention. 
I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the unauthorized charges on my account. I am seeking a full refund of the unauthorized charges, as well as the reimbursement of any associated fees or penalties incurred due to this incident.
Product: Vehicle loan or lease

I have a XXXX injury and I have been in XXXX  for the last few months, I contacted Carmax Auto Finance via phone to request a deferement extension on XXXX payments until I am home from the hospital. I spoke to a XXXX Who claimed she was a supervisor. Per XXXX I had To Pay {$360.00} in order to qualify for this deferrment to cover XXXX payment. I Sent my sister into to Carmax to pay {$370.00} XXXX. I called XXXX Back to Verify the payment was received she said yes and she would put in for my 2 month deferement she then advised that I would be back on track and the next payment would be due by XX/XX/XXXX with a XXXX  Day Grace Period. I Had My sister with me on the phone and she wrote down what XXXX Advised me to do so I could qualify for the deferement. On XX/XX/XXXX I got a threatening email that I had to pay for XXXX payment or my car would be repossessed. I specifically explained to XXXX that my daughter drives and needs that car for school she gave me her word the XXXX deferments would be approved. They were not she did not honor what she advised me. I called back spoke to a XXXX and she give me her word she would pull the call I never heard back from her and she left a note on my account that the declined deferement stands. This company is extremely dishonest they promote to call them if you are having a financial hardship and when you do they do not help you. They will not waive any late fees, They will not let you change your due date and they are dishonest when you ask for a deferrement. I offered to fax in Proof that I am under my doctors care treating for a XXXX injury they told me it was not neccesscary. I also advised them that my husband was now deceased and I am now down to XXXX income they do not care. I wanted to bring this information to your attention because they do not honor what they are advising their customers. I trusted XXXX knew what she was doing. I would like them to provide a transcript of the call where XXXX promised me I would get XXXX deferements on the car to help me until I am out of the hospital. A company should honor what their supervisors tell consumers its not right to treat people this way. I explained to this woman in grave detail that I have a permanent XXXX that affects my spine and she was dishonest with me the entire time. She did not even have the decency to call me back and let me know that the deferments were not approved. That is incredibly evil to treat people this way. They offer services they do not provide
Product: Checking or savings account

I recently discovered I have been getting charged a $ 12 Monthly Maintenance Fee for the past 5 months ( XX/XX/XXXX - XX/XX/XXXX XXXX in my Bank of America " Money Market Savings Account ''. This account was set up in XXXX at the same time as the " XXXX XXXX XXXX '' checking account. One of the criteria to avoid a monthly is noted as having a direct deposit in excess of {$250.00} during each statement cycle. I have exceeded this threshold for the entire duration of the accounts, but the deposit has been into the checking account assuming they were linked. Apparently, per a call with BoA customer service on XX/XX/XXXX, even though the accounts were created at the same time, they were not linked as only " grandfathered '' accounts can be linked. This nuance is not clearly explained nor apparent since both accounts come up at the same time when logging into the website. Had this been more transparent I could have easily split the direct deposit amount to go into both accounts separately and still met the minimum threshold. The minimum balance of the combined accounts would have also satisfied the fee avoidance requirement.
Product: Mortgage

I bought a house in XXXX. Pennymac bought my loan soon after the initial purchase. In XXXX mortgage was {$1500.00}. The principal and interest payment was {$820.00}. The extra was for escrow to pay my taxes and insurance. In XXXX, my taxes was {$4000.00} and my homeowners insurance was {$3800.00}. The following year of XXXX, my payment increased to {$1600.00}. The principal and interest stayed the same ; and my taxes increased to {$5100.00}. Homeowners insurance change. I had homeowners insurance at {$860.00} and wind insurance of {$2500.00} for a {$3400.00} insurance total for the year. In XXXX, my payment decreased to {$1400.00}. Still my principal and interest payment was {$820.00}. My taxes were {$5600.00}. My home insurance was {$920.00} and my wind insurance was {$2800.00} for a {$3800.00} insurance total for the year. My recent escrow analysis states I am negative {$2800.00} and am short {$4000.00}. To make up for this they are trying to increase my escrow from {$630.00} to {$910.00} and add an escrow shortage {$460.00}. This would increase my payment over {$800.00} from XXXX to {$2200.00}. How can this be if things minimally have changed. Someone mismanaged my account over the years. They are saying it's because they have never paid my wind insurance but that is incorrect. They have always paid my insurance. Someone miscalculated and expect me to make up the difference. I am a public educator and I can not afford an {$800.00} increase. {$800.00} a month for a year is {$9600.00}. How can there be that much of a discrepancy. I will either have to sell or default. In addition, I finally applied for a homestead exemption and they don't seem to care. I don't want to loose my house but all they do is give me the runaround and don't offer an explanation, just an excuse about suddenly paying my insurance. I want the truth. If they mismanaged my account, I want them to pay the negative escrow. It's not my fault. I paid what they asked for over three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.
Product: Credit reporting or other personal consumer reports

I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documentation.
Product: Checking or savings account

The bank of the West in XXXX Iowa notified us by writing that they were closing our account. XXXX XXXX XXXX is the one that sent the letter. My husband went in and talked to XXXX and told him that XXXX one of  the tellers was supposed to take off our overdraft and apparently never did it. He told my husband that they would wave the overdraft fees if we put in {$250.00} which we did on XX/XX/XXXX. Then they proceeded to take us to collections through The Best Service Company.
Product: Debt collection

They sent my cousin a text message with a link to a debt will all of my information in the text. he responded stop but they keep texting all my information to family members. I am seeking out an attorney to go after that for giving out sensitive information to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do XXXX  review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.
Product: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Transunion is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Product: Consumer Loan

I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. 
Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. 
I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. 
Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help me?
Product: Credit reporting or other personal consumer reports

Equifax said XXXX XXXX confirmed the balance owed correct and up to date. However, there are and have been balance discrepancies with XXXX, XXXX, and the exact amount for the garnishment through XXXX XXXX XXXX XXXX XXXX system. Note, as of XX/XX/XXXX XXXX reported I owed {$4200.00}, but I made a payment of {$1100.00} on XX/XX/XXXX reducing the balance to {$3100.00}, as of XXXX my XXXX credit report said I owe {$4200.00} ( the exact same amount I owe 12 months prior ; as of XX/XX/XXXX XXXX said my balance was {$4200.00} ; as of XX/XX/XXXX XXXX XXXX XXXX XXXX said I owed {$3800.00}. ( includes court fees ) which I just paid to XXXX XXXX. This credit history of different and inaccurate balance discrepancies by different reporting agency has resulted in me being denied credit for the last 2-3 years. See attached pdf documents as proof. Moreover, XXXX outright refused to work or communicate with me through the pandemic like my other creditors did ; my credit report reflects this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  XXXX Balance Owed : {$250.00}
Product: Student loan

Sadly, there was a lawsuit against California XXXX XXXX and at the time, my loans were at an all time high of interest rates of 19 %. I opted out of lawsuit due to possibility of losing suit and having to pay lawyers. I have over most of the almost 20 years paid my loan but currents rates at XXXX if insane and there is no wiggle room to pay down my debt. I called to see if my private loan is available for cancellation, but told not at this time. I am currently in forbearance with no end in site. I even tried to refinance and current rates at 9 % and higher. I am at a loss as what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACTXXXX 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 XXXXXXXX have violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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