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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.
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 involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts and inquiries listed on my credit report. I understand that my credit history is an important factor in determining my financial well-being and I am concerned about the negative impact these items may have on my credit score. 

Firstly, I dispute the charge off account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that these accounts were inaccurately reported as charged off and I have documentation to prove that I have made payments towards these debts. I am requesting that these charge off accounts be removed from my credit report. 

Secondly, I dispute the inquiries listed for XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize these inquiries and I am concerned about the impact they may have on my credit score. I am requesting that these inquiries be removed from my credit report. 

I understand that under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. I also understand that I have the right to dispute any inaccuracies on my credit report and have them investigated. 

I am emotionally distressed by the inaccurate reporting of these items and the potential negative impact they may have on my financial well-being. I urge you to take immediate action to investigate and correct these errors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My husband and I applied for, and received a mortgage loan from Navy Federal Credit union. We were approved for a loan for XXXX in XX/XX/XXXX. We are currently stationed in the state of XXXX  on permanent XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  and have been since XX/XX/XXXX. We contacted XXXX XXXX by phone to request our interest rate be lowered because of a law specific to XXXX. The XXXX  revised statute title 29 : 312 limits the amount creditors can charge for interest rates on loans to 6 %. We requested our loan rate be reduced due the fact we our XXXX XXXX military stationed in XXXX. They confused our request with the XXXX XXXX which only covers debts before XXXX XXXX, and claimed we didn't qualify. We sent them a copy of our orders to prove our residency in the state. However the XXXX  statute applies to any/all debts incurred by XXXX XXXX service members after XX/XX/XXXX. We simply want our interest rate reduced as Navy Federal Credit Union is in violation of XXXX  Law.
Product: Consumer Loan

On XXXX/XXXX/XXXX I went to speak with a salesperson at XXXX Honda in XXXX. I was only going to get an inquiry about my vehicle that was due to be turned in because the lease was going to be up. I had been in a small fender bender, ( in my current vehicle ) and Honda told me they would take my vehicle right out from under me and put me in a new one, I said to them " of course you would, but at what cost? because I was just discharged from a bankruptcy and I want to make a fresh start, where I do n't put myself back in the same financial bind ''. They showed me a XXXX Honda XXXX. The salesman kept going back and forth with his Manager about pricing, looking to see what he can do for me. I knew that my credit score would effect the payment amount but I was curious to see what they could do for me. The salesman came back and said I can get the car for {$480.00} per month, that is without insurance. I told him that is just way too much for me, I know I wo n't be able to afford that!!! He kept saying " Come on I want to help you '' I said seriously there is no way I can or want to pay that much for a car because I 'm just coming out of a bankruptcy and want to better myself. I told him " I am just here to inquiry about the vehicle I have to turn in on XXXX XXXX ''. He kept pressuring me by saying " let 's just do it now while you are here ''. Looking back at the situation I was very vulnerable and in a position where I was desperate, because I needed a car since my lease was expiring in a month. I really did go in just to inquire and be better prepared when I do have to turn my car in. But, I feel like I was taken advantage of considering I told them what my situation was. All they wanted to do was make a sale and not consider what I could afford. XXXX is currently holding a postdated check from me, that I do n't have the $ $ $ for. They took a post dated check knowing I do n't have the money, now I 'm in a bind because I feel pressured to somehow come up with this money. My 1st payment is coming up and I do n't have that either. I really wish the sales people cared about people and not just pushing a sale right there and then. I 've tried taking the car back but they mislead me to believe that my payments will drop when my credit score improves in a month, but what about the money I have to come up with now??? I feel very helpless.
Product: Checking or savings account

My savings account was blocked for fraud supposedly, when there isnt any evidence or activity on the account except for my weekly direct deposits. Ive called the bank to resolve my online access and was told that my account is active and in good standing and my atm card is also active which was not true. After my first failed attempt at using the atm card, I reached back out to the bank to see what had changed in a matter of XXXX minutes and was told that I would have to be transferred to the fraud department ( which made absolutely no sense ). After being transferred I was told that my identity could not be verified and to provide my phone number associated with my account. After doing so, I was told that my phone number could not be verified. The phone number is registered to me and is the primary and only phone number on the account.I receive my daily account balance to my phone number on file. I proceed to take all of my personal identification documents to the bank on Wednesday, XX/XX/2023, and speak with someone in person regarding being unable to access my account and verify my identity just to be told that in order to access my account I would have to wait for a code in the mail and no further information can be provided to me. This issue is very frustrating because I have nearly {$3000.00} in the account and have no access to my money for god knows how long. I feel as if Im being scammed.
Product: Mortgage

I will attach two documents that I think will explain most of what we have gone through. This process has been over 1.5 years and very stressful. For over a year we could not get a reason as to what the issue was, I thought I was paying the payments, the payments went up ( I knew they would some ), but went from under {$500.00} to almost {$3000.00}. The company took a few month money, applied to a payment and then returned, when I figured out something was wrong and called they wanted me to send $ XXXX or something. When I said we could n't they said they would help me with a refi ( which I had wanted to a long time since we had an interest only loan, we filled out forms on the phone, made a follow-up appoint time and I thought all was well. At follow up was told was sent to another department and would have to wait for something mailed, then received info about foreclosure mediation program. What a joke. I am normally a huge fan of mediation but this companies idea of mediation apparently is that their part is to agree to accept an entire loan package that they will look at and evaluate to see if they will be able to " approve '' you, just as a new person. So after two session of mediation we did not have all required papers. This wasted 14 months and the minimum acceptable amount became forty some thousand I think ( the loan amount was less than {$130000.00}. The entire time they would accept no money on the loan and still could not tell us what the amount owed was for ( MITI, but we pay the taxes and insurance ), we could reapply for mediation again, but I lost my job so I do not have the monthly income they require, my husband is on Social Security so would do no good. Because of health reasons I have wanted to retire anyway. Finally in XXXX ( 2017 we received notice of why the balance was the amount it is ). The part to me that seems nuts is that this has been our home for 30 years, we have no other bills, my husband has over {$75000.00} in his retirement account and I 've wanted to file my retirement but have postposed because they have my house in foreclosure. I have several choices of how to take my retirement payment, such as in a monthly amount, but there are others also. I am lucky because one choice is a lump sum, so while they will not accept that I have over {$350000.00} in my retirement it is an amount that I can take as a lump sum to pay the loan ( and taxes ) which is a terrible burden to do this way, but at least will likely be able to keep the house timing wise. Others do not have those options. We also have a option of paying somewhere around {$46000.00}, but I can not get an answer as to what we would owe if we paid that amount. What would be the balance, what would the payments be? Tax wise may be better but not if we pay {$46000.00} and still owe the same amount after. I am angry at the over a year with no answers, the company does not work with mediation, I filed a complaint with the DOJ but they have no authority in that area. They walk all over people and take, take, take.
Product: Money transfer, virtual currency, or money service

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 financial loss, and I seek appropriate redress ( 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 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

For loan number # XXXX, I am requesting assistance with issues arising from my mortgage company. Issues began, XX/XX/2018, a payment option was offered to make bi-monthly payments to split my mortgage in half to assist to my financial situation at the time. As such, my mortgage payment was split from {$1600.00} to {$820.00} bi-monthly on the XX/XX/XXXX and XX/XX/XXXX, as agreed with the agent and my pay check schedule. However, in XX/XX/2018, a payment of {$3200.00} was paid in full to start the process of bi-monthly payments. Unfortunately, when XX/XX/XXXX came around my bank account and mortgage account numbers don't match and are different from what you have on file. At this time, I am requesting that someone please assist me with this issue. 

As of XX/XX/2018, I contacted Freedom Mortgage for assistance but this has been to no avail. 

I am in foreclosure and in default at this time and concerned that I will become homeless because funds have been inappropriately applied and I have received no assistance from the mortgage company to help me resolve this issue.
Product: Money transfer, virtual currency, or money service

XXXX didnt publish my add, and will not allow me to refund my {$3200.00} balance. It says I need to request it through Apple Pay, but Apple refuses to refund it back to the Apple Card. Both these large companies are holding my money and neither will refund and theyre just pointing at each other. I just want my funds back since they wont give me the service.
Product: Credit card or prepaid card

I had a XXXX XXXX card which I always paid on time. In XXXX I deployed to XXXX and asked for my payments to be deferred which was done at a later date by AAFES. However, they still reported negative information on my account. In XXXX while stationed in XXXX my AAFES card was fraudulently used to purchase a computer notebook. I did not make the purchase and didn't know that a purchase had been made on my charge card until after negative information started appearing on my credit report. AAFES confirmed that the purchase was made but failed to send me the dispute documents. They said the purchase was made online and shipped stateside even though I was still in XXXX. I made some payments and then felt that I should have to pay for something I didn't purchase. AAFES then took the remaining balance from my Tax Refund. I did not want to continue to argue with AAFES so I called and asked if the account was paid in full and they confirmed the account showed a XXXX balance in XXXX. In XXXX negative information started showing on my credit report. The negative information showed {$1.00} was owed and placed for collections. 

In XXXX AAFES also agreed to remove all negative information from my credit report due to several situations arising while servicing the account. 

I am a XXXX XXXX XXXX  veteran and AAFES mistakes is making it difficult for me to find adequate housing. Due to my XXXX i have limited options where I can live.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I returned a car to XXXX, XXXX. Little was I prepared for the fraudulent shakedown I was about to receive from XXXX rental ( which is well attested on their internet reviews ). The clerk " found '' scratches and dings he said were not present before my rental and charged me {$1100.00}. In disputing this transaction with citibank costco visa officials I was told that the fraudulent merchant must agree to reverse the charges and that the matter was out of their hands. What a way to run a dispute -- - give all the power to the fraudsters! When I also pointed out that this card is supposed to carry car rental insurance I received no response. When repeatedly asked to please contact me directly to discuss details at no point was I personally contacted. I recommend avoiding citibank cards until they get their house in order and stand by their customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Credit Reporting Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing in my credit report. The account in question has been paid in full and reflects a {$0.00} balance, yet it remains inaccurately reported, negatively affecting my credit profile. This letter is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a paid-off account with a {$0.00} balance as anything other than accurate violates this statutory requirement. 

Additionally, under 15 U.S.C. 1681i ( a ), upon notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am requesting a thorough investigation into this matter and an immediate correction of my credit report to reflect the accurate status of the account. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. If you determine that the information can not be verified, it must be deleted from my credit file as per the FCRA. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX XXXX