23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was divorced last year of a XXXX  year marriage and part of the divorce settlement was to get my wife released of liability for this loan. I started the process XX/XX/XXXX. I paid the {$370.00} application fee and can't get the release of liability processed. The phone number that I call goes to an offshore call center and get assigned to different agents weekly. I sent and resend the required documents and they claim they can't open them or didn't receive them. Some agents are very difficult to understand and don't seem to comprehend what has been done numerous times or what I am saying. They change what they need to process and ask for more, even after I verify that is all they need. I have asked to talk to a US based person and was only able to once and told to call back. They won't give me a US based direct line to call. Each call goes through a menu system and can take over 30 minutes to actually talk to someone. I leave messages and they say will call back and never do, claiming they tried but line was busy. I have no record of any attempt for them to call back. 

I have a credit score in the mid XXXX 's and have never missed or been late on a payment in XXXX  years. I am presently retired and have retirement income, rental income, as well as social security, which more than covers the payments that I have been paying for since XXXX. I have sent income tax forms, bank statements, rental agreements, Retirement award letter, divorce decree, and other forms they requested.

I email forms and get an automated return saying they got it, then told they never received it or were unable to open the link. The documents sent were in PDF format locked with the last 4 digits of my SS number which they use to identify me when I call. 

They seem to be deliberately delaying and causing me to exceed the deadline set by the judge to get this resolved. 

I have asked for a record of all the calls and interactions that have occurred and told they would need a court order to give that. 

I can download more emails if necessary. 

It is like using the off shore call centers is a deliberate way to avoid any customer interaction with the company. They are trying to make it as difficult as possible and take up as much of your time so that you give up and quit. Possibly to force you to get financing at a higher interest rate.
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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have contacted XXXX 's card services executive management via email asking to contact me in regards to the poor customer service offered by Wells Fargo and have not been given a phone call. I have tried to resolve my concerns and consumer issues with Wells Fargo, in which they have not been helpful in doing so.
Product: Debt collection

Allegiant Capital Recover Services, based in XXXX New York, has been threatening to collect old debt from an unlicensed payday lender. Despite multiple attempts to dispute the debt under the Fair Debt Collections Practices Act, the company continues to ignore my requests for validation and to cease communication. The issue at hand in this complaint is the fact that I settled the account back in XXXX of 2020 with the original lenders previous debt collection company, XXXX XXXX. The payment cleared my account and was never refunded or chargeback as this " new '' debt collection company is indicating. The bank has confirmed their erroneous claims. In addition, XXXX and their parent company are not licensed to conduct business in the State of California, voiding any said debt under California law. See attached advisory alerting the public of the original creditors illegal business practices.
Product: Checking or savings account

Hi, I am trying to get money from  XXXX  and my bank chase is not sending over my info quick info and now I ca n't get the money I need. Please send over my info.
Product: Credit reporting or other personal consumer reports

I have not received sufficient verification or proof of the accuracy of this account as required under the Fair Credit Reporting Act ( FCRA ). 

As previously mentioned, this account contains inaccurate, unverifiable, and incomplete information. Per FCRA Section 623 ( a ) ( 6 ), furnishers must ensure that the data they report is accurate and up to date. Furthermore, under FCRA Section 605B, I provided clear grounds for the removal of this information due to its unverifiable nature.
Product: Bank account or service

I had a joint account with my husband at Chase which I was the primary account holder. My husband deposited XXXX checks during the month of XXXX XXXX, of {$200.00} each check from an account he had/has in New York with XXXX, under his name alone which he had prior to marry me ( I do n't know if he still has it ). I had no knowledge he was doing that those checks were NSF. On XXXX XXXX, XXXX he wrote a check to himself from our joint account from Chase in the amount of {$1100.00} which made the account to be overdrawn in the amount of {$1000.00}. the account remained NSF until XXXX XXXX, XXXX when I was able to deposit money to cover the overdraft. In the meantime Chase reported me, not my husband, to XXXX " Suspected Fraud Activity '', I understand they could had reported me as NSF account, but the Suspected Fraud Activity was done by my husband with his XXXX checks. Now it shows as paid in full but still my name shows as " Suspected Fraud Activity '' and he has not been reported at all, and this is affecting me and I did n't even had knowledge of this activity. Please help me clear my name from this list. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX gets deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. In addition, in accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : 15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I demanding this account be deleted.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a XXXX loan from td bank on XXXX I should have gotten a loan approval because most banks approve XXXX car loans and I currently still receive advertisements from XXXX XXXX for being preapproved for a XXXX car loan. This doesn't make sense and seems like something is going on behind the scenes with these banks. 15 US code 1691 states it is illegal to be denied credit or a loan. An adverse action can not be accepted by law. It is unlawful for any bank to discriminate against any applicant with respect to any aspect of a credit or loan transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits a bank from using a prohibited basis in any system of evaluating the creditworthiness of applicants except as permitted by the act and part 1002. With these unlawful acts being committed they shall be fined no less than XXXX XXXXXXXX XXXX  for these unlawful acts. Thank you.
Product: Mortgage

Servicer : Servisolution Issue : Incorrect handling of mortgage account, refusal to accept payments, and mailing to wrong address. 
Category : Mortgage Trouble during payment process or loss mitigation I am filing this complaint as a borrower on a mortgage serviced by Servisolution for the property located at, XXXX XXXX XXXX My name is XXXX, and I moved to XXXX XXXX XXXX XXXX Despite properly updating my address, Servisolution continued to send important loss mitigation and default letters to my old Alabama address. 

On XX/XX/XXXX, with my autorization my wife, she called a phone call with an agent who approved a repayment plan of XXXX XXXX However, when she called back to update my housing expenses which were not asked during the original evaluation the agreement was immediately revoked. This was punitive and unjust, especially since I was trying to provide accurate information. 

In good faith, I made a payment of {$2300.00} on XX/XX/XXXX, and another payment of {$3100.00} on XX/XX/XXXX, which represents five months of mortgage payments. Despite this, XXXX XXXX XXXX from Servisolution refused to accept the second payment, stating I must pay the entire delinquency. Only after I explained that I had not received any default notices, and she confirmed that Servisolution had been mailing letters to the wrong address, did she speak with a supervisor and accept the payment. 

Three collection letters dated XX/XX/XXXX, were delivered to my new Utah address only on XX/XX/XXXX, after I made the payment. These letters do not reflect my XX/XX/XXXX payment and seem backdated to cover up a prior mailing error. 

Furthermore, I was never provided a written repayment plan for the agreement discussed in XX/XX/XXXX, which is a violation of transparency and proper mitigation procedure. 

Servisolution is now pressuring me to pay an additional {$1800.00} by XX/XX/XXXX, despite already having received significant payments and despite the property being under a signed purchase agreement with a scheduled closing for XX/XX/XXXX. 

This handling has caused enormous stress and confusion, and I believe Servisolution is violating my rights under the RESPA ( Real Estate Settlement Procedures Act ) by : Failing to communicate properly ; Refusing to accept partial payments during loss mitigation ; Not providing a written agreement for the repayment plan ; Mailing default letters to the incorrect address. 

I am respectfully requesting CFPB intervention to : Prevent any foreclosure proceedings while the home sale is pending. 

Review Servisolutions loss mitigation process. 

Ensure proper communication and recordkeeping compliance under federal law. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX Account XXXX date late payment XXXX XXXX XXXX XXXX XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a XXXX XXXX credit card, and filed a report with them, closed the account. From what XXXX XXXX tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress  and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX was sent a notarized Affidavit of Fraud via registered mail without response. Then a notarized Notice of Default was sent certified mail after the non-response. I have both signed green cards as proof of delivery. 

The details XXXX is stating are missing are in fact all outlined in both legal documents : Regarding the response asserting that I did not provide sufficient identification in connection with the signed and notarized affidavit previously submitted : Firstly, I would like to emphasize that XXXX  was sent an affidavit which is a legally binding document, duly notarized, which signifies that my identity was verified at the time of signing. The notary public who executed the notarization confirmed my identity and the authenticity of the signature, providing an additional layer of validation that far exceeds the requirement of mere identification. The assertion that identification was not provided is not only inaccurate but also disregards the legal weight of the notarized affidavit. This document serves as irrefutable evidence of my acknowledgment and agreement regarding the matter at hand. As such, it should be regarded as sufficient for any legal or procedural purposes associated with this debt collection process. The last 4 numbers of my social are included on the document, along with an address, and all creditors in question information. Due to the non-responsiveness of XXXX, a notice a Default was sent with all the same legal requirements- notarized signature, address, last 4 of the social, and account information. Should you continue to allow this claim to be closed and allow XXXX to assert that further identification is required, I will file a lawsuit against XXXX and CFPB as a conspirator in fraud. Failure to comply will result in legal action being taken against both parties, which includes pursuing damages, seeking injunctions, and filing a lawsuit to enforce compliance with the law Please consider this correspondence a formal request for resolution of this matter without further delay. I expect to conclude this issue promptly and to be treated with the respect and legality that the notarized affidavit warrants. I look forward to your swift response to this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/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

XXXX  and Equifax credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX/XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Product: Debt collection

This Creditor is contacting my job numerous times when I have told them to contact the number on my account for payment information.
Product: Debt collection

On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount.

I have not heard back from this company in regards to my request.

This company has failed to get back to me within the 31 day period, so they are already in violation.

This company has sent me letters threatening to sue me for this amount
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified XXXX  of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested XXXX  to validate/verify the account by the name Carter-Young INC/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. XXXX  is now in violation of FCRA section 609.
Product: Student loan

I initially signed up for college in XXXX with XXXXXXXX XXXX XXXX XXXX, AZ location. I had explained that in XXXX I would have to take some time off due to my Mother 's fight with XXXX becoming more intensive but I assured them that I would return once she was better. She XXXX in XXXX. It took longer than I had anticipated to return after her XXXX but I did return in XXXX to continue where I had left off. The school told me that I had 44 credit pending but I questioned why they weren't just transferred since I was attending XXXXXXXX XXXX and not another school and they said that because that campus had closed and that some of the credits would be transferred but not all. I kept questioning it because it was the same school just one of their now closed campuses. So I had to re-pay for some of the classes even though I was continuing in the same field. According to them they wasn't certain if they were going to have to prorate my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a final payment 2021 to XXXX. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.