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 customer financial protection act ( CFPA ). Specially cash. I felt to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, there. Dispute resolution was unfair and deceptive, as they did not comply with error resolutions requirements under the electronic fund. Transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial laws. And I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX advised they would wave the late payment on my account due to an error but it's still showing late on my experian and XXXX.
Product: Credit card

I noticed unfamiliar transactions on XXXX and began reviewing all my credit card statements, and contacted Target Mastercard immediately and submitted a claim by paper per the representatives request, Ive been following up with this matter since XXXX to XXXX, and havent received any response or update regarding my claim/ account. I keep on paying Mastercard because Im trying to buy a house and dont want my credit score to be affected, but its still affecting me because I need to pay off the balance and plus the monthly interest charges. I reported the fraud charges to the sheriffs department
Product: Mortgage

Washington Mutual held my mortgage when they went under my mortgage was lost for 11 months whenever i tried calling we got no answer and they were not cashing my checks .my home went into foreclosure, my home was up for auction and there was nothing that i could do. on the twelfth month we recieved a package in the mail it was a new mortgage company XXXX mortgage and i had a 30 year new mortgage with about XXXX-XXXX thousand dollars in fees. i did n't understand what the hell was going on i tried to call different people and they brushed me off by saying at least u still have your home.i built my home XX/XX/XXXX and would have been done XX/XX/XXXX if this tragedy would not have happened to me. i often wonder how many others were affected by this. but i lost about 15 years on my XXXX mortgage, all of my equity. it was a terrible time for me i went through a XXXX XXXX. i still go through a lot of things when i think about my house would be paid off XX/XX/XXXX if everything would have went the way t was suppose to, i met a mortgage broker and she advised me to contact CFPB. i really hope there is something that can be done, i do n't know but it is worth a try so iam trying
Product: Mortgage

The Notice of Default was resended by prior servicer in XXXX. Servicer subsequently sold the loan to a new company who is foreclosing in spite of showing modification was fraudulently signed by the lender. Loan had been fully forgiven in XXXX. I was forced to file bankruptcy/Adversary Action to keep my home. My attorney who is elderly, XXXX plus years, and extremely terrified of the Corona Virus, had to have a telephonic hearing with the bankruptcy judge and was not in the right state of mind and could not argue the case. Subsequently, the stay was lifted and my home of 20 plus years is scheduled for foreclosure on XXXX. This is unfair, especially since XXXX forgave the loan in XXXX. There is no explanation on how the loan balance of XXXX increased to XXXX in less than two years. Servicer states there was a credit line increase in XXXX, which is untrue, especially, since in XXXX lenders were closing their equity lines. We have asked for payment history and we have asked for the forgiveness letter because I have, in my notes, that I spoke to a XXXX XXXX, with XXXX, and she verbally told me that the loan was forgiven and followed up with a letter in XXXX. Instead of producing the letter, they produced a fraudulent modification. That's how we found that there was a fraudulent modification done by XXXX. Furthermore, there has been no correspondence from the lender from XXXX to XXXX when solicitors notified us that XXXX  had filed a NOD that they resended. We notified the Consumer Financial Protection Bureau. We need your help. We also have a declaration from our attorney stating that he is sick and he foolishly participated in the XX/XX/XXXX telephonic hearing against his better judgement and in retrospect he realized that he was not prepared or in a right state of mind to argue the case as he should have been. Remember, he is elderly and very concerned of the Corona Virus. He's in age of XXXX and older group, which, health authorities projected with being the highest danger with contracting the Corona Virus and having serious injury or dying. He regrets that he didn't request a continuance as he planned because of how he felt. He was confused and his judgement was impaired, which was not fair to his client. He requesting a rehearing. In XXXX, under Making Homes Affordable, our mortgage was modified through the Department of Justice Settlement and  XXXX and brought to it's current market value of XXXX. Because our property has appreciated in value, this lender/servicer is taking advantage of a loan that was originally XXXX and had been forgiven in XXXX and claim the balance is now over XXXX, thereby, trying to say we have no equity and should just hand over our home of 20 years. This is wrong. All of the supporting documents have been provided to XXXX and the law firm and have been ignore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of Birth : XX/XX/XXXX Capital One Account Number:XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Closed credit accounts To whom this may concern, I am writing this letter in regard to my closed accounts reported to my credit report.

I recently became a XXXX Veteran of the United States XXXX and I just looking for an opportunity to provide for my children and be the model citizen that I know I can be. My wife recently died in XXXX which has caused a huge financial burden on my shoulders and also forced me to raise our XXXX children alone and me being diagnosed with XXXX earlier this year. Due to those circumstances, I was not able to maintain my financial obligations with certain institutions. I am currently in between homes, and I would like to provide my children with a more stable environment. While I have no way to pay off my debt that I currently owe, I am hoping to do business in the future with the companies that have closed in hopes to show them that I can be financially responsible. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to my wife passing away and me having to raise our XXXX children on my own. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, XXXX XXXX
Product: Mortgage

I inquired about the assumption of my mortgage loan with New American Funding ( NAF ) due to divorce from co-borrower. I was provided an application packet and given specific instructions and assurances. I followed all steps to the letter and prior to closing, I was advised that I was no longer eligible to assume the loan for a reason that was inconsistent with the assumption of loan application materials provided by NAF and what I had been specifically advised by NAF representatives earlier. Specifically, I was advised that the taking of a separate, independent home equity loan with a different lender changed the terms of my loan with NAF and therefore made the loan no longer assumable. When I asked what in my NAF loan documents or the assumption of mortgage application materials provided by NAF indicated how an independent, subsequent, subordinate home equity loan changed the terms of my original mortgage loan with NAF, I was not provided with any explanation other than that it was " investor guidelines. '' Making this denial even more egregious is that I was specifically advised I should take out any home equity loan BEFORE the assumption process by a NAF representative. I have this representation made to me in writing and can provide proof. I therefore, relied on the representation of the NAF in taking out the home equity loan. Therefore, even taking their explanation as true ( which is itself not admitted because it does not make sense that a subsequent loan changed the terms of my NAF loan and there is nothing in my NAF loan documents that indicates this ), I would not have been in that situation had I not been incorrectly advised by the NAF representative and therefore relied to my detriment on their misrepresentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following employers are reporting incorrectly & need to be removed immediately : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXX
Product: Mortgage

My attempts to modify my mortgage failed due to not enough income. Due to death of a child and then loss of income & medical issues as well as divorce the household income was no longer the same or enough to qualify for the loan modification. I moved fwd with list & advertising my home for short sale. There have been multiple offers on my home but they have been declined by the bank twice. I have done everything the bank has asked of me. According to my attorney the bank negotiator the bank has indicated it would be " better for them to foreclose than to do a short sale ''. This is NOT fair. I am a now single mother, just getting back from medical leave just doing my best to survive with my remaining XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are Fraudulent and are in clear violation of my privacy. Which is a violation of the law. I demand the following accounts be DELETED from my Consumer Credit Report Immediately as they are Fraudulent accounts opened using my personal information and consequently disclosed on my XXXX and Equifax XXXX Report XXXX. XXXX XXXX XXXX { XXXX } Account # XXXX - Amount. {$44000.00} XXXX. XXXX Account # XXXX - Amount. {$16000.00}
Product: Debt collection

Given the potential identity theft and the impact on my credit, I request that the collections account be immediately removed from my credit report until its validity is verified.
Product: Credit reporting or other personal consumer reports

Delete these accounts : fair resolution 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

15 USC 1666b : Length of billing period in credit statement for imposition of finance charge ; effect of failure of timely mailing or delivery of statement
Product: Debt collection

The CFPB closed my previous two complaints against Portfolio Recovery Associates just because the company responded by the deadline ( even though Portfolio did not successfully refute any of my complaint, they just made vague denials and equivocations ).

One of the representations Portfolio made is that it is not engaging in deliberate harassment of me in order to extort money by means of accounts too old to lawfully report on my credit report. They make this claim despite reopening 3 other collections that had aged off my credit report in retaliation the same day as my first CFPB complaint. 

Now they are fraudulently seeking to collect over 100x the actual amount of the original collection as a means of unlawfully re-listing it on my credit report in order to deliberately damage my credit. They have knowingly done this despite being informed several times that my job is contingent upon my credit reports ( background checks ). They are trying to make it look like I owe over {$310000.00} -- the original collection ( where they at least reported the correct amount ) was {$3100.00}. 

When will the CFPB take action against this dishonest company that constantly crosses the line and harasses and harms consumers?
Product: Vehicle loan or lease

I had a car loan with a remaining balance of over XXXX XXXX dollars. The loan was in the process of being paid off by my insurance company due to a car accident ( where I was not at fault in anyway ). The accident happened XXXX of this year. My insurance company sent over a check for over XXXX XXXX dollars. There is a remaining balance of XXXX on the car in which GAP insurance is covering. 

The issue is they have reported my car to the credit bureaus as late and a charge off with balance. This in turn has dropped my credit score.

I reached out to the company and they will not remove the negative late payments and charge off even though the loan is pretty much paid off.
Product: Checking or savings account

I received a coupon by mail to ope n Chase checking and savings account with {$500.00} bonus. For savings account I was supposed to deposit {$15000.00} and for checking I needed to setup direct deposit. I have fulfilled all requirements, however right after that Chase changed its rules, and now I have to set up direct deposit from specific vendors. When I opened the account I specifically verified whether they accept any direct deposit, and the answer was " Yes '', and now they say that if my direct deposit not coming from SSA or an y government, it does n't count. Also, I advised them, that my direct deposit is coming from payroll, and I am a   XXXX   getting paid for   XXXX  , but they would not accept it. I 'm   XXXX   XXXX  , and I get very   XXXX    when people play games with me in order to make me feel miserable. I feel like I have to start a class action suit or hire an injury lawyer for driving me to  XXXX  with constantly changing rules and meaningless mind games. I want people to know that Chase is fraud.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some un authorized inquiries on my report, that i do not have knowledge of giving my consent too. Here are the unrecognized inquiries XXXX XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XXXX.Can you please assist in getting these removed off my credit score.
Product: Money transfer, virtual currency, or money service

A cashiers check was sent to my daughter who is a customer of Fifth Third. The cashiers check did clear and she was able to access the funds. Shortly afterwards, they froze her account and requested information that was not necessary.
Product: Debt collection

A new collections account was added to my credit report. upon checking I quickly realized the debt was not my debt and was the result of identity theft. I called the debt collection agency ( ERC ) who told me the original debt was from an XXXX account which was opened in XXXX Arizona under my social security number and the name " XXXX XXXX ''. My name is not XXXX XXXX, and I have never been to or lived in XXXX Arizona and I have never had an XXXX account. whoever did this stole my social security number and I want this resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I was unable to obtain my Equifax credit report from XXXX XXXX. I received an error message ( NH ) directing me to contact customer service. When I did so, the agent informed me that the code meant that one of my creditors had reported incorrect information and that I needed to submit a copy of my SS card and DL to correct it. I pointed out that if it was the creditor 's error why should I have to confirm my identity. The agent then hung up on me. 
A second agent asked for the same verification information and I gave it to him. He stated that he was able to clear the error and stated that he was sending me a physical copy of my credit report but gave me an incorrect address, when I told him it was the wrong address, he gave me my correct address. I then asked for access to the myEquifax website, he stated that I should be able to access it. I tried but wasn't able to. 

As of now how I have been on hold with Customer Service for 46 minutes and counting. I have logged into their websites on XXXX and XXXX seeking help. No repsonse.
Product: Checking or savings account

Recently I opened a money market account at 1.8 %, a rate advertised online. My interest rate quickly dropped to .33. Today XX/XX/2018 I called the bank to see if there was anything they could do. They said no. I went online to search for a new bank account and found this same bank advertising 2.10 %. I called the bank back and spoke to a supervisor XXXX, and again they would do nothing. I said they were leaving me no choice but to file complaints and they said they could not help me with this.
Product: Student loan

I can't login to the website, or contact them by phone. They have blocked off all communication of getting the necessary information I need to complete my taxes on time. They have been this way for almost a week now.
Product: Vehicle loan or lease

Today. XX/XX/2022, I contacted GM Financial to make a payment on my new vehicle loan. The past due balance was more than it should have been. I reached out to a customer advocate to pay a payment of {$540.00} online. I just paid over {$900.00} on XX/XX/XXXX to become current. They did not correct the amount that was past due, and ignored my request. They went straight to asking me when I could pay. 
Also, today I addressed my concern with the negative effects with marking late on every month, which was not correct, on my credit, which I have paid and made payment arrangements. I was also ignored for my request to fix my credit report. GM has completely destroyed my credit and my ability to refinance or trade in my vehicle.
Product: Credit reporting or other personal consumer reports

Filed complaint last year with previous servicer : XXXX To whom it may concern, The IRS have approved the 1099C for student loan XXXX on XX/XX/XXXX. Mailed to XXXX XX/XX/XXXX. Received my copy of the Copy B For Cancellation of Debt. My account has not been corrected to XXXX Balance as of today XX/XX/XXXX. Student loan balance was settled. XXXX Balance. 
Applied the XXXX loan but XXXX has credited my student loan prior to application being assign to XXXX. 
Per reporting my account as delinquent, they are violating my privacy Title 34 part 99, I never given them consent to put this infromation on my report. The Family Education Rights and Privacy Act ( FERPA ) is a Federal law enacted in 1974 that protects the privacy of student education records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was issued to wrong address and credit company reissued another card to corrected address on file. Previous Credit card account was never deleted from credit report. in fact, credit card company reported account closed with a balance on it. Ive tried disputing account off of credit report and credit card company did not remove account.
Product: Credit reporting or other personal consumer reports

Due to identity theft, in no later than 4 business days according to 15 USC 1681C-2 Early Warning and its subsidiaries must block ALL information in my consumer disclosure file and consumer report due to Early Warning and its subsidiaries having no authorization to use my identity and nonpublic personal information.

I will only respond to mail and email so I can increase my paper trail of noncompliance.