23daVinci/CFPB_Complaints huggingface dataset:
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 to 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I applied for a loan modification with Wells Fargo on XXXX XXXX, XXXX. This was n't the first application. I had submitted a previous loan modification the early part of the year but Wells Fargo ' representative declined receiving most supporting documents I had submitted. I then decided to hire a law firm, XXXX XXXX, to help with the process. The representative with XXXX and XXXX submitted a complete loan modification package to Wells Fargo on XXXX XXXX, XXXX. On or about XXXX XXXX, she started to inquire about the status of the application, Wells Fargo 's representatives gave her the run around just like they did me. In the package the representative submitted she listed my gross income to be {$6500.00} per month and provided supporting documents accordingly. Eventually, Wells Fargo submitted a denial letter, listing the reason for the denial as insufficient gross monthly income of {$3500.00}. The amount they listed is {$3000.00}. less than the gross amount we listed on the application. 

I am requesting that Wells Fargo send a letter explaining the reason for listing the incorrect amount. Also, to correct the information and send a letter of approval based on the information the representative at XXXX and XXXX already provided. 

I have submitted a Notice of Error to Wells Fargo. I am attaching this letter to this correspondence
Product: Mortgage

Obtained a mortgage modification signed by us and mortgage holder our payments were put in a suspense account and was not applied to mortgage now stating Im behind now facing losing my home again these people should not be servicing mortgages they update there systems to reflect payments Selene finance LP now they have court date XXXXXXXX XXXX Supreme Court XXXXXXXX XXXX to try to take our home we have no place to go.
Product: Credit reporting or other personal consumer reports

Reporting and responding to inquiries provided inaccurate late payments, inaccurate public debt info, inaccurate credit scores and false accounts.Failure to protect personal information. I was denied mortgage loan and car loan because of inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowlege of the following credit inquiry XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Mortgage

My home have a sale date XX/XX/XXXX. Please help me to keep my home. I lost my job XX/XX/XXXX due to XXXX XXXX, I 'm XXXX years old. I am now working again since XX/XX/XXXX. Keep Your Home California has agreed to pay the back payments, but Wells Fargo Bank is refusing to accept the funds. I make enough money to pay my mortgage from now on. I ca n't get an answer from Wells Fargo on why they are refusing help from Keep Your Home California. I am still waiting on a call back. Please contact and request an answer for me. Keep Your Home California counselors says they will pay back payments owed up to {$25000.00} but Wells Fargo would have to accept. Thank You very much.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove 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 TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Opened an account at PNC with {$300.00} new account bonus if have minimum of $ XXXX direct deposite and XXXX online payment in the first 60 days. I have met well over the minimum requirements. Spoke to multiple reps in between and was advised that I was doing the right thing, everything is set up correctly and that the only thing I need to do is wait until after 60 days for the bonus to post. After 60 days have elapsed, I contacted customer service and inquired about the bonus. I was told that I 'll receive a response within XXXX business days and customer service was not professional to follow up. I contacted customer service another XXXX times and It was not until then that I was told the direct deposit went to another checking account and hence they refused to award me my bonus. PNC lacks integrity, it 's obvious that the employees mislead and misinform customers intentionally, or they 're truly incompetent. I feel cheated. I had all my earnings with this institution, but only to find that it 's dishonesty and sly. PNC is finding any way it can to deny honoring its words.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have a credit card with Capital One, and on XX/XX/XXXX my bill was due. I went to pay at just after XXXX XXXX, and saw that my minimum amount of {$25.00} was greyed out and I was no longer allowed to select it, and was only allowed to select the {$50.00} option, or a higher amount. 


All of my " payment due soon '' notifications, via email and push notification from the mobile app itself in the days prior, had only indicated that I needed to pay by the XXXX. They only stated the date, and said nothing about any specific time. 


Only upon reaching the payment submission page was I able to see the specification that {$25.00} was due by XXXX XXXX. The only point at which I'd seen this indication was at the point when I had opened the app and gone to the specific menu to pay my bill. 



I called support and spoke to an agent, who didn't seem to fully understand what the issue was, and she said that on her end my minimum option was still showing up as {$25.00}, and said that if I called the phone payment line and posted payment via phone, that everything should be okay and I would be able to pay the normal {$25.00} minimum without any late fees. 



I did as she instructed, and sure enough, the phone line allowed me to pay {$25.00}. The following day, I checked my account to be sure that everything went through, and I only saw the {$25.00} payment charge. 



Now, XX/XX/XXXX, I checked my account to confirm my next due date, and saw that my upcoming minimum amount due had been raised to {$32.00}, and I was charged a " PAST DUE FEE '' of {$25.00}, effectively exactly what I had just paid. I believe this to be blatant theft. 



I called support to explain my situation and ask for my minimum to be brought back down to the normal {$25.00}, as well as to have the past due fee waived, and they staunchly refused, saying there was nothing they could do. I was escalated to a supervisor who said there was no one higher I could speak to, and told me that since statements and the XXXX  include the XXXX XXXX  deadline that I was considered fully aware of the cutoff. 



I don't believe this to qualify as informed consent. I believe that if every single instance of payment notification does not include the necessary terms of that payment, then it is far too easy for consumers to fall between the cracks. 



There are plenty of people who don't receive email notifications, plenty who don't have cell phones, and physical mail is highly unreliable. I believe this definitely falls under the category of " junk fees '' that the CFPB has been trying to combat, and the lack of proper indication to the consumer of specific terms at every point of sale is in my opinion, frankly insidious. 



I do believe I have been blatantly stolen from, and I am certain I am not the only one who has been through this issue. I believe this to be a pattern of behavior that Capital One, as well as other credit card companies, engage in intentionally in order to keep people indebted, endlessly profiting by keeping their balances high, through charging back the same amounts the consumer has already paid.
Product: Mortgage

My FHA Mortgage servicer, Carrington Mortgage Services, is refusing to review my complete application for the Making Home Affordable Programs siting false giudlines that I can not apply for a review without estranged ex-wife 's income. They have advised the only way to get a modification review would be to fraudulently inflate my affordability by including her income on my application for this federal program. I have sought out the assistance of a third party and we have made multiple attempts to escalate the request within the line of business. However ; my servicer continues to direct me away from applying for HAMP instead directing me toward the unattainable reinstatement or assumption processes. I have had a document-able, short term, hardship and now have the ability to make mortgage payments. I also have the desire and commitment to maintain my home-ownership. The staff has been rude, uninformed, overbearing, condescending and confrontational. Due to the level of service I 'm becoming increasingly convinced this is a predatory tactic to foreclose on my home.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and found mistakes in the reporting of several accounts. These errors are having a negative impact on my credit score, which feels completely unfair.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX ive received my credit report XXXX And on that report, I had to hard inquiries printed in dark red that XXXX not familiar with, and this is what it reported JPMCB CARD XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX started XX/XX/XXXX and will continue on credit report until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX REASON : UNSPECIFIED started XX/XX/XXXX and will stay on credit report up until XX/XX/XXXX I was told by experience to file a police report and contact the federal trade commissioner about this fraudulent information. They all got information from me. They took down information and they requested that I go and file all three credit Brewer and with the federal commissioner.
Product: Debt collection

I am being charged by Choice Recovery for a dorm room that I did not damage. I returned the key when I left XXXX XXXX in XX/XX/year>. I am of this negativity affecting my credit score and debt to income ratio.
Product: Debt collection

I never Received notification letter or mail from this company, PRESSLER Felt & Warsaw LLP About their actions however I just received a Letter stating they are representing XXXX XXXX.In there brief letter never stating what year this took place. I have no knowledge of this account DC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls department store credit reported my payment as being late inXX/XX/2019.Theres seems be glitch in there system so I was told on the phone by them.I have been on the phone every month this year about there payment, not being taken out of my account to there account on auto pay for there web site.kOHLS HAS SENT ME ABOUT THREE NEW CARDS BECAUSE THERE CHARGE CARDS DID NOT WORK PROBLEM WITH ACCOUNT NUMBERS iF THEY WENT BACK AND LOOKED AT THERE RECORDS LIKE THEY REPORTED BACK TO XXXX THEY DID THEY WOULD HAVE SEEN ALL THE NOTES ON MY FILE AND ALL THE TIMES I CALLED AND ALL THE TIMES PAYMENT WERE MAID.ITS BEEN NOW GOING ON 6 MONTHS AND I CANT GET THEM TO HELP ME .THEY ALSO CHARGED MME A FEW LATE FEES EACH TIME THEY REMOVED THEM BECAUSE THE SAID IT WAS A GLITCH ON THERE END AND THEY WERE WORKING ON IT.BOTTOM LINE LOOK AT MY TRACK RECORD BEFORE MAY AND AFTER MAY NEVER BEEN LATE AS IN ALL MY ACCOUNTS ON MY CREDIT FILE I WANT THEM TO REMOVE THE LATE REPORTING AND TO REPORT ALL PAYMENTS ON TIME. I HAVE LETTERS FORM KOHLS ASKING FOR MORE INFORMATION IT A STALL TACTIC ON THERE BEHAVE .my account number is XXXX my ss is When i called XXXX they told me that the case was closed because Kohls send the right information if th was true why did kohls send me another letter asking for more information after they reported it was right .I just want them to follow the law for credit reporting and report the right things on time and in a timely matter.It is well past thirty days to get my credit report corrected.they are cost me money in hire interest rates and hire car insurance for them saying i was late.
Product: Credit card or prepaid card

This account was opened and used ( without my knowledge or permission ) on XX/XX/XXXX. My sister set up the account, using her info as contact info and my ssn and name as billing info. The balance is XXXX. On XX/XX/XXXX, I called to file a fraud claim, and it was denied on XX/XX/XXXX. The credit card could not tell me why it was denied, and the investigations unit was not available. I have lived overseas continuously since XXXX in XXXX XXXX. I have no business in the United States, and I have no authorized credit cards. None of these charges are mine. I am disputing the whole bill. I filed the claim on XX/XX/XXXX, and have submitted documents verifying the claim. 
My sister made all the purchases and opened the card. I have never seen a bill, credit card statement, a purchase, or any online access related to the card. None of the charges are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove these account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$840.00}.
Product: Debt collection

PLESE HELP ME, THESE ITEMS ARE NOT MINE AND DEFINITELY FRAUDULENT ACCOUNTS, PLEASE TAKE ACTION IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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: Mortgage

on XXXX Guaranteed Rate , Inc gave me a Final closing discloser with errors in the K calculations and left off information on the Addendum to Closing Disclosure. Debts did not get paid because there was not enough cash to close collected. Cash to Close from borrower was listed as {$37000.00} leaving out {$13000.00}. This was not discovered until after closing. When calling to inquire why debts didn't get paid the three business days after. I was advised to give it more time that the title company needs more time to process those payments. When calling XXXX XXXX, XXXX they advised they were not going to pay those debts because Guaranteed Rate did not provide them with that information. Guaranteed Rate says they made an error on the documents but are not willing to resolve it.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are both reporting a car loan with a balance from XXXX XXXX as XXXX even there was an agreement with the company via email for a pay to delete. Both have been given a copy of the email and still do not remove the inquiry. 

The other issue is that XXXX has a balance on my report that was forgiven due to COVID. They continue to sell the debt even though it was forgiven, and the collections agency does not return mail requests asking for valid information regarding the debt. Both credit reporting companies have been notified and the investigations do not have proof of communication or a return letter requesting more information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Mortgage

I have our mortgage payment set up on auto payment. Our monthly payment due has been {$1400.00} ( escrow XXXX of said payment ), but we overpay a monthly rate of {$1600.00} ( an overpayment of {$190.00} ). On XX/XX/XXXX, Flagstar notified us, via voicemail, that the account was past due. 
Upon calling I learned the account was past due because Flagstar reviewed the escrow and raised it to {$660.00} claiming insurance rates were now {$4400.00} and taxes were {$3400.00} ( See attachment dated XX/XX/XXXX ). That insurance rate is more than double the previous years assessment at {$1800.00} ( see attachment dated XX/XX/XXXX ). The insurance rate was falsely and drastically inflated, and Flagstar could not provide any information regarding the reason for the inflation. 
This same exact issue happened to us in XXXX of XXXX! In XXXX they inflated insurance rates with no explanation and increased the payment ( see attachment dated XX/XX/XXXX ). After hours on the phone and submitting documents, they were able to input the correct numbers and restore the correct payment due of {$1400.00} ( attachment XX/XX/XXXX ). However, no one was ever able to provide documentation on why this happened. Flagstar did not follow up on the matter. 
Again, Flagstar requested I send in insurance documentation for review of the second error and then I was to call Flagstar back in 48 hours. On XX/XX/XXXX I called and spoke to two different departments ; neither had an explanation for the issue. However, they told me if the balance due wasnt paid by months end I would be reported to the credit bureau. So, we were required to send {$250.00} to Flagstar ( payment made online XX/XX/XXXX ) and they told us once the matter was resolved we would get the money back. However, they are not able to apply the money to our account so they will have to return via a check in the mail. Once again, time away from our jobs, hours on the phone, and money sent for Flagstars error. 
I expect this correction to be expedited. I also expect detailed documentation regarding how this incident has occurred not once, but twice in the last twelve months. I want to know why this presumably fraudulent activity happened and what is going to be done to ensure this does not happen again. I want our {$250.00} returned to us swiftly, and I want to ensure the {$190.00} of overpayment that was submitted on the recent payment was not misappropriated during the time that Flagstar made erroneous adjustments to the terms of our mortgage. 
I would hope that they would reexamine their customer service guidelines to remove the burden of follow up from their clients and accelerate the investigation process for obviously false claims that result in the damage of consumers credit history. 
We are concerned that this is happening to other consumers, some who may not be fortunate enough to catch it and Flagstar is  illegally collecting money from consumers.
Product: Debt collection

After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company XXXX XXXX onXX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the cease and desist letter 's were sent.
Product: Credit card

I have been a Bank of America customer, with both a checking account and credit card, for over 20 years. Last month ( XXXX  XX/XX/2023 ), BofA closed my credit card with no warning for not using it recently. This is despite them having a number of ways to contact me : email, phone, in-app notification, etc. The card 's closure had a severe negative impact on my credit score because it was by far my longest tenured card. I never would have allowed it to be closed and would have made use of it immediately if I had been properly notified that it was at risk of closure for lack of use.