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

Specialized Loan Services Has told me they have Removed 3 Late Payments which still show on my Credit Report. Says I was late in XX/XX/XXXX when Payment was made with XXXX XXXX on XX/XX/XXXX and Shows on there Statement as receiving on XX/XX/XXXX. The next one Shows I was late in XX/XX/XXXX and Shows with XXXX XXXX was paid on XX/XX/XXXX and Paid with sls on XX/XX/XXXX. The late one Shows I was late in XXXX which shows the payment was made with XXXX XXXX on XX/XX/XXXX and sls Received this on XX/XX/XXXX. After speaking with several reps and writing in emails which I have kept was told these will be taken off my Credit Record within 60 Days. This was also on a recorded line. Also the last email I got from them I had Printed out and now has disappeared from there web site which they claim all messages will remain in message center for one year. I also was on a recording line everytime I talked to a specialist about it and each one said it would be taken off. The last rep I talk to was XXXX number XXXX on XX/XX/XXXX About this and she assured it will be taken off Credit Record This was time sensitive I have sold my Home on XX/XX/XXXX and now because of sls I am Homeless for failing to report my credit correctly and I asked Her if she could give my a Letter Head and with my Name on it with account number and will be removed She said it would not be a problem seeing it was going to be taken off. XXXX with sls also promised to call me back on XX/XX/XXXX between XXXX and XXXX which were all on a recorded line and never received a call back. She said it would not be a problem to do it. The email I sent them on XX/XX/XXXX Was Hi on XXXX XXXX and XXXX I had disputes on Late Payments and they all have shown Resolved but but have not been taken off the Credit Bureaus. I was able to talk to a Company Rep which informed me they will be taken off and still appear on my Credit Record My Wife and I sold our home And our Closing Date is the XXXX of XXXX. I cant get into my New home until these items are removed. I also want to give authorized Permission for the Credit Bureaus to contact you. I have tried several times leaving my number with no one calling back. Can we please take care of this matter promptly. This was SLS response. Thank you for the inquiry. After a review of you account, we show that on XX/XX/XXXX your credit reporting was corrected with the credit Bureaus which can often take up to 60 Days to reflect on your Credit report. SLS does not have the capability to expedite this turn around time as it is out of our control. If you'd like to add Credit Bureaus as Authorized Third Party on your account please send a web inquiry with which specific agency you'd like to authorize. Thank you, XXXX XXXX id XXXX so after this two of the Three Credit Bureaus have called and they told them they are not taking them off. This is just straight up lies does everyone one who works for this Company report the facts and not cause so much grief in my Life and Hardship can you please help me with this???? Please I'm at your mercy now.
Product: Checking or savings account

I have a checking account at Capital One Bank with Internet access to that account. Currently I am traveling abroad ( in XXXX ), which I am doing frequently. As usual, on XX/XX/2019 I tried to access my bank account. But this time instead of being allowed access a new screen appeared ( a copy of it is attached ). That screen gives only two option how to access my account. Both of these options require that the bank sends a temporary access code by a text message to my cell number, which then I will use to complete the sign-in process to my online bank account. Because I do not have a cell phone, I called the given banks help phone number XXXX. There a bank representative insisted that I should be able to receive the temporary access code also by email as was done always in the past from abroad. After we together tried it, the bank representative also concluded that without receiving a temp code to a cell phone access to my account is not possible until I return back to my home address in USA. 

The Bank rep then called someone else at the COB bank and there they told him that the bank recently made a change which eliminated the use of email and caused that without a cell phone registered with the bank and one which is also capable to receive a code by a text message access to the online bank account is not possible and that I should return back to USA to resolve this problem. 

Well, it becomes apparent that COB bank recently implemented this requirement in a TOTAL secrecy without publishing a warning to their customers informing them of this added requirement. I searched the banks online User Agreement and absolutely nowhere online is there a requirement that a bank online customer must have a cell phone which is registered with the COB bank and that cell phone must be also capable of accepting abroad a text message with a temp access code. 

I will be abroad several months and this inability to access my bank account is causing a hardship, because I have to use my bank account in order to pay bills and to transfer funds. In the past the bank did send me the temp access code by email and this their recent secret change to allow access only by those people who have a cell phone capable of accepting abroad a text message, instead of email as past is totally wrong. As far as I know, all other US banks use email for such purposes. Why COB bank would implement such radical change in a TOTAL secrecy without informing customers and without publishing it defies explanation.
Product: Mortgage

I am a XXXX XXXX with major health problems. I have had a severe reduction in income and I am struggling to stay afloat. My servicer, SPS, has categorically denied my requests for a mortgage modification. There answer to my reasoning is that my mortgage owner, XXXX XXXX XXXX and the mortgage holder, XXXX Bank does not permit modifications. So if XXXX is still the owner, why would they inform me years ago that my mortgage was being sold to SPS? Where does XXXX Bank fit in this scenario? 
Why is it when I apply to SPS for a modification, I am offered 2 options, " short sale or deed in lieu of foreclosure? Why is SPS so XXXX-bent of me being out of my home? I have lived here 24 years, 6 months! 
I feel as if SPS, supposedly defunct Accredited and XXXX Bank should be included with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, because I believe that have engaged in and continue to engage in a financial crime spree that violates every law and rule imaginable. I feel as if SPS decisions are based on race and finances. These foreclosures are destroying ethnic neighborhoods. There are at least 10 foreclosed properties on my block alone and they want to add my home to the list! These companies refuse to work with a homeowner and prefer to foreclose and wait on an investor, who typically waits until the property sells for pennies on the dollar. I am appalled at the freedom at which these companies operate but then again they are fined and it is back to business as usual ... " Let 's get back to work on finding another unsuspecting XXXX to swindle ''! They are prolific in the crimes and the government seems to be oblivious to it or simply does not care!
Product: Credit reporting

On XXXX/XXXX/2015, I utilized the trial membership that Transunion offered for a seven day period. I notified Transunion through email that I am not interested in utilizing there product. I also notified Transunion verbally on XXXX/XXXX/2015 that I am not interested in this product due to information was not reporting accurately or being updated in a timely manner. In which I received email confirmation on XXXX/XXXX/2015 and XXXX/XXXX/2015. That the cancellation was received. on XXXX/XXXX/2015, a charge for XXXX was drafted from my checking account. In which I contacted Transunion on XXXX/XXXX/2015 or XXXX/XXXX/2015 and requested a refund. ( the reason for the delay in noticing this matter is My job transferred and I moved XXXX hours away ) So my focus was on packing and moving. So on XXXX/XXXX/2015 or XXXX/XXXX/2015, I called and spoke with a representative regarding my concerns. The representative stated that the proceeds would be credited back to my account within 5 business days. I contacted Transunion on XXXX/XXXX/2015 regarding the same issue, and the representative ( XXXX? ) was rude, unprofessional, and argumentative. I immediately escalated this matter to a manager. The manager advised me that it takes XXXX days for my proceeds to be refunded and acknowledged that I did submit my cancellation. I advised the manager today is XXXX/XXXX/2015, I believe the 30 day window has passed. The manager stated that I should contact my bank, I advised the manager that I will be filing a complaint, because it not the issue of XXXX, its the matter of me complying with the terms and conditions of the trial period and Transunion took it upon themselves to take money out of my checking account after it was communicated in writing that no authorization has been granted to take money out of my account. Also that Transunion acknowledged the cancellation and proceeded to withdraw proceeds out of my account. This is not a banking issue, this is just wrong.
Product: Mortgage

XX/XX/XXXX my mortgage was sold from XXXX XXXX XXXX to Newrez. XX/XX/XXXX both my home insurance with XXXX  and my required flood insurance through XXXX WAS due. The money was in my escrow account and XXXX  was paid but flood insurance was not. Newrez received a renewal letter XX/XX/XXXX and still never paid it. Hurricane Helene hit XXXX XXXX Florida XX/XX/XXXX and after calling and finding out I had no flood policy but yet the money was sitting in my escrow Im being told that they are now placing flood insurance on my mortgage which I should have received a mandatory flood requirement letter in XX/XX/XXXX so I could have known before the mortgage company allowed it to lapse and not be without flood insurance during a hurricane with several inches of water in our home. I cant get a new affordable policy until the insurance companies open enrollment again and dont think I should be charged for more than what my policy was. They cant tell me how much their flood insurance will be until it goes to their insurance review department.
Product: Student loan

I contacted Access Group back in XXXX XXXX about several negative marks against my credit bureau. Access Group sent me a letter XXXX/XXXX/XXXX explaining the issued was the fault of Access Group and that they would contact all XXXX bureaus and request a good standing/Loan has been paid in full. 

Now we are in the XXXX and I am saving for house, well my broker runs my credit and says that I have a lot of negative marks. So I get in touch with Access Group and I get the run around for a couple of day 's. Well I have received a XXXX letter from Access Group five years later stating the same old thing. This discrepancy is our fault and we will contact the credit bureaus and make sure it is removed. It will take approximately XXXX to be removed. That Letter was dated XXXX/XXXX/XXXX and we are now in the middle of XXXX and the derogatory marks are still on my credit report.
Product: Credit card

due to breaches from XXXX there were accounts open under my name XXXX. Identity Theft XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately XXXX. Identity XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Identity Theft XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX XXXX I NEVER GAVE ATHORITY TO OPEN THESE ACCTS!!!
Product: Debt collection

I am writing to request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and would like to request that you provide proper documentation proving that this debt is valid and that I am the correct party responsible for it. 

I request that you cease any collection activity or communication with me regarding this debt until you have provided proper validation. Additionally, if you are unable to validate the debt, I request that you inform all credit reporting agencies to remove any references to this alleged debt from my credit report, as required by law. 

Please be advised that this is not a refusal to pay but a request for validation in accordance with my rights under federal law. I request that you respond in writing to the address provided above. 

Thank you for your attention to this matter.
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 proce 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 29.81 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX XXXX and Transunion ).
Product: Payday loan, title loan, personal loan, or advance loan

I have attempted to payoff this loan. Difficult to get a person, when I do they agree it doesn't make sense that I paid {$4700.00} in interest and only {$300.00} in principal. I told them I want to pay this off ASAP but they said they need to open a ticket. Then they disconnected the call. Please help me get this paid OFF ASAP. I can't get answers about the interest. I don't think they want me to pay off so they can continue to assess as much interest as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX BANK-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXXBalance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) -Balance : $ XXXX-Date Opened : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I attached proof of my identity being stolen, at this time I am not aware of who's responsible for such fraudulent acts. I would like to get my complaint situated immediately because it is taken a huge toll on my report and character. It isn't fair how someone was allowed to open these account without extra forms of identifications.
Product: Checking or savings account

Hi, My name is XXXX XXXX. I was a customer of citi bank. I have files two complaint in CFPB before. last complaint number is XXXX. First complaint i have mentioned that citibank closed my account without informing me. and didn't refund me my money which was total of {$21000.00}. right after i submitted my complaint in XXXX, they have refund me {$12000.00}. and It was missing {$8800.00}. Then i have compliant again in XXXX  to help me get my {$8800.00}. after i complained they have send me a check of {$8800.00}. When I deposited {$8800.00} in my XXXX it deposit that money in my chase account.But after two days later i saw my account become negative {$8800.00} because citi bank didn't allow my XXXX bank to deposit the check. Then i contact my XXXX bank they told me because citi bank did stop payment on that check. Then I again start calling citi bank to remove the stop payment. It happened like before they start mentally harassing me. Every time i call customer service they told me they will give me the money back but i never receive. Please help me to get the check of {$8800.00} again. I'm going to provide all the proof i have. I also have provide the letter i received from citi bank telling me they will send the check right after i contact cfpb. But they send me check which has stop payment. please help
Product: Debt collection

Credit Management is using my personal info & deciding that I am responsible for the bills attached. 
1. I have not been to the facility mentioned in the letters for myself or another.

2. I am not the party who signed an agreement with said facility to pay these bills.

3. I am not the individual the faculty billed.

4. I feel this attempt to collect a debt is misuse of my personal information & identity theft. 
5. Credit Management is trying collect multiple times for the same debt.

6. Also again the agreement to pay this debt was an agreement between the faculty & another individual, not myself. 

Account No. XXXX debt id XXXX, XXXX debt id XXXX, XXXX debt id XXXX
Product: Checking or savings account

On XXXX  I purchased 2 flights from XXXX XXXX which totaled in the amount XXXX for the two tickets. The purchase was approved since I had more than enough funds in my checking account, and they naturally put a hold on the XXXX until the funds were taken out, although it immediately affects your available reflects on your available balance. XXXX actually took out the funds, the transaction for the 2 flights tickets posted as XXXX separate transaction $ of XXXX, the hold for the XXXX still as a pending transaction. According to XXXX customer service there's nothing they can do that's it's on the bank to released the hold since the money for the flight clearly came out of my checking account. Capital one saids that's there's nothing their can do that's it's on the merchant. Going back and forth between the two entities the message was that there was nothing they can do .... Those XXXX pending transaction that will take 4 business days to post XX/XX/XXXX ( after XXXX ), send my checking account available balance on the negatives, and has force me to live my life using credit until the XXXX pending transaction falls off my checking account. As ordinary I shouldn't be held responsible, and be force to live on credit possible negatively affecting my credit because capital one does not want to removed that pending transaction which I already paid for. In another word, as of this moment the reality is that I've been charged twice since the pending transaction is a charged. It doesn't make sense, that two giant companies can take my hard earned money, and leave me with an overdrawn account, living on credit, effecting my credit scores while they both do nothing. I spent a couple hours doing research and this is an issue common which people has been dealing for over half a decade and is unacceptable. I should be reimbursed every dollar I'm forced to used out my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  made an error and changed my address which resulted in an increase in taxes for a lease payment. It took six months for XXXX XXXX  to fix the problem, it was fixed In XX/XX/XXXX. XXXX XXXX ended up owning me a credit back and told me to deduct that amount from what I owed in XX/XX/XXXX, which I did. However, they did not issue the credit in time. And in XX/XX/XXXX, they caused my account to go 30 days past due. I called again in XX/XX/XXXX and they finally put the credit on my account. A late payment showed up on my credit file I tried to dispute it with transaunion to no satisfaction.
Product: Credit card or prepaid card

I have a VISA Credit Card in which the monthly statements indicate an Amount Due and Date Due. In several instances, I have been charged Late Fees although payments were made by the specified Date Due. 
Date Due Date Paid Date posted Late Fee $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Total {$150.00} Recently, my credit limit was reduced by a company called XXXX XXXX ( XXXX XXXX  ). 
Needless to say, these late fees Fees Charges have seriously impacted my overall credit rating and i wish to these fees reversed. 

Thank you
Product: Mortgage

SETERUS took over my loan last year. It has been an awful transition from day XXXX. I have sent payments that they confirm receipt of, only to find that they process them late.. which caused late fees on my bank accounts and at the company. They made corrections after proving to them that more than enough funds were available at the time of their confirmation of receipt of payments. They corrected themselves by waiving late fees that they applied after they reviewed my documentation. These forms include bank statements and notifications. Now I have had some serious changes with my finances, resulting in me having to ask for a modification. I have submitted all required documentation via XXXX ways which include through fax, through email and through regular XXXX mail. I have not heard anything and it has been over 45 days since those forms were sent. My entire family lives in the home and needless to say I am NOT comfortable not being able to pay the mounting balance that is occurring. I am saving all that I can and paying the utilities. I am unable to log into my SETERUS account online, because the site is down. Their customer service is not open on weekends, which is when I am able to contact them mostly.