23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased our manufactured home in XX/XX/XXXX through Triad Financial Services. We have had nothing but problems with them and they are impossible to work with. It is not possible to speak with a human agent at their company because everything is automated and they never call back. They dont care about their customers because there are dozens of complaints filed against them stating the same exact problems that we are having. We are now being pushed into foreclosure because of their unethical business practices and need Triad to be held accountable. Our family has gone through demonstrable and documented hardship due to loss of hours and Covid related income loss and have attempted to resolve delinquent payments with them. Despite dozens of attempts we have not been able to get an agent on the phone to discuss our situation, instead it is always leave a voice mail and we will call you back but it never happens. Our family has the ability to pay our mortgage loan but at this time Triad has blocked us from making any type of regular payment and instead have referred our account to a law firm to start foreclosure proceedings. As a licensed loan provider and mortgage servicer there are protocols and guidelines that they should be following when dealing with struggling homeowners. Their repeated refusal to engage ( evidenced by dozens of complaints from other borrowers ) tells me that they simply dont care at all about their borrowers. 

About eight months after buying our home in XX/XX/XXXX my wifes XXXX cut her hours and combined with inflation we were struggling with our bills but got bailed out by a tax refund. In XX/XX/XXXX my wife had her hours cut again and also major unexpected expenses related to our car and missed the payment. We believed we could get caught up and make a double payment like we did in the past but when XXXX came we were still struggling. At that time we began calling Triad to discuss options to help us resolve the delinquent payments. Despite dozens of attempts at all different times of the day, we were never able to actually get an agent on the phone to discuss our situation. 

Our hardship was resolved in XX/XX/XXXX as my wifes hours as a XXXX XXXX  were restored and we were able to get rid of one of our vehicles and cut out the car payments. We tried to resume making our mortgage payment but the automated system would not accept anything from us and we could not speak with an agent or any employee at Triad to see what options may be available. We are now being contacted by a law firm that is stating we are going into foreclosure and demanding that we pay off the full mortgage amount of {$65000.00} even though the delinquent amount owed is about {$3800.00}. 
This is an avoidable foreclosure and we believe that Triad should be looking at options to resolve the delinquent payments other than full reinstatement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report as I am a victim of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my rights to protect my credit from further misuse by having this compromised information removed. 
Below are the accounts I am requesting to be blocked and deleted : 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 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 reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$2400.00}
Product: Bank account or service

I am filing a complaint in hopes of receiving back the thousands of charges that 5/3 has charged me. I had some extenuating circumstances with my employer, XXXX, where they changed our entire global pay system, and I did not receive a paycheck for the month of XXXX 2016 basically. In that time, 5/3 put through several of the same charges, 3 times, incurring a {$75.00} fee for XXXX transaction, to the tune of {$1600.00}, in 3 months. I wrote to XXXX XXXX, the Presidents office, 3 times, pleading with him to reverse, at least the second and third fees on each XXXX, I am willing to pay for XXXX {$35.00} fee per transaction, but XXXX seems exorbitant. Here is a list of the dates and charges : 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 {$1600.00} in bank fees in 90 days. 
If XXXX of those are valid - it means {$1100.00} are second and third time charges for the same debit attempt. 

I am asking for {$1100.00} back to me for the second and third time attempts. They told me no, they cant refund me any fees more than {$74.00}. I think this is atrocious. 
Feel free to contact me. I feel that this is heartless and that they are taking advantage of me.
Product: Checking or savings account

I contacted Chime on XX/XX/XXXX ticket # XXXX for the XXXX to not authorize about my, XX/XX/XXXX repayment and asked them to pause the authorization for just one pay period. The guy I spoke with told me that it was done and that the repayment would not come out of my direct deposit the next day. So on Thursday XX/XX/XXXX when I got paid the repayment came out so I called and the young lady I spoke with told that it takes 3 business days for it to go into effect. I explained to her that I was moving that next week and I needed that money to secure my deposit so me and family could have some where to move. She kept repeating herself so I asked to speak with a supervisor, the supervisor was rude and didnt offer any assistance at all. So I told her that I was going to file a CFPB complaint she told me that I can do whatever I want I asked her could she hold cause I was checking my son into therapy. When I came back to the line she hung up on me. So I never called back. I said ok I will give it the 3 business days and just wait til my next pay period. I got paid today XX/XX/year> and checked my Chime account and the repayment came out my account yet again. The agent XXXX ticket # XXXX acknowledges that they lied to me but told me that they cant do anything. The supervisor team told her they seen the request and it didnt get processed. XXXXXX/XX/XXXX agent told XXXX their was nothing they can do. They not only took the XXXX repayment but they also lowered the amount as well. So that took more money from me. ticket # XXXX escalation ticket for the authorization to be revoked.
Product: Mortgage

HomeLoanServ set up a loan modification with me. The agreement was that I was supposed to make three months of on time payments and then the modification would be completed. I had the third payment completed by XX/XX/. I was told that XXXX would be processing the paperwork for the modification. I didn't hear anything. I called in several times since then and was told that there was a rare glitch in the system or something. XXXX told me that he had told his supervisor about it and they would work on it. I called in several times after that and was told by multiple reps that they weren't sure what the hold-up was, but to keep making my payments. I then received some mail about a modification with past dates on it. I was confused, so I called in. I was told that they must have forgotten the paperwork even though I had already completed previous paperwork and the three months of payments. I sent it in as I was told. I called in several other times and was told by the reps that they couldn't see what the issue was. One rep at the beginning of XXXX told me she could fix it but didn't want to because maybe she didn't have the whole picture. She then said she would contact XXXX. I said I would email him. He responded saying that, " For some reason our system is trying to convert the workout we have with you to a different one. My supervisor is aware and she is working on correcting the issue. '' That was on XX/XX/XXXX. I emailed him again on XX/XX/XXXX saying that I had gotten a credit report notice that my mortgage was severely behind and it was knocking the score down further. I also stated that I was accruing late fees from them still I didn't receive an email. Today I called again. The first rep. said that I had to wait another 120 days. That didn't seem right, so she said she would have a supervisor contact me. I hung up and called again because no one had ever told me that I would have to wait another 100 days after completing the third payment. She was rude, so I called back. That rep. told me what all the others had, minus the first one from this morning, that my paperwork should not have been held up. I bawled. I'm trying to get myself out of a financial pit after divorce and a car accident. I can't get help with a credit score that keeps dropping because it shows that I'm almost a year behind in my mortgage. She sent XXXX an email. I called three more times today. One rep was named XXXX. She refused to let me speak with a supervisor, but she said she would send an email to one. The last person put me on hold for ten minutes and then nothing... I can't get any help. Please, help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 2 months in 2018 of the credit card payment history show that I was late making the payment. I had the payment scheduled for automatic payment from my account but there was an error in the transaction that prevented the payment from going through. I did make the payment in the Kohls store though. Throughout 2018 I made payments on time but the last 2 months I would like removed from my credit report because this has impacted my score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate inquires listed on my report : XXXXXXXX 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 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: Mortgage

On XX/XX/20, I spoke with XXXX XXXX XXXX from Rocket Mortgage via phone call. He explained that I needed an appraisal in order to proceed with the mortgage application. I told him that other companies do not require an appraisal. He insisted that in order to continue with the appraisal that I must pay him {$500.00}, at which time, I gave him my debit card information and paid for it. I proceeded to call various mortgage companies and found out that over 50 % did not require an appraisal. I decided not to continue with Rocket Mortgage and go with a different company. I received a phone call from the appraiser from Rocket Mortgage. I informed him that I no longer needed an appraisal because I was no longer continuing with the loan. I called XXXX XXXX XXXX from Rocket Mortgage and informed him that I was no longer proceeding with the loan. I also requested a {$500.00} refund for the appraisal that was never done. He tried to persuade me to continue with the loan. When he realized that he was unable to persuade me, he hung up. On XX/XX/20, I received an email stating that the appraisal was done and we can continue with the loan. I immediately responded and explained that it is impossible that an appraisal was done on my home because I live in a gated community and I never gave the appraiser access to enter the community. I have attached the appraisal report in question. Note that the report was obviously completed without entering the community. In this report there are no pictures of my home. The only pictures provided were of the community entrance and of other homes listed for sale nearby. I have tried to resolve this issue with Rocket Mortgage. I have sent 3 emails explaining the situation and requesting a {$500.00} refund with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is reporting account inaccurate. Stating inaccurate date of last activity date open, date last payment and missing data on date last verified and date closed. I have disputed account with all three bureaus asking that account gets verified or deleted because I do not recall having this debt with this creditor and account is not showing " account has started investigation or is under investigation '' in fact it shows account not disputed and that is false because I have disputed account. Over 30 days have passed and I have not heard back from bureaus in regards to account. Definitely feels like I am being ghosted. Account is not meeting law requirements with inaccurate and missing data.
Product: Checking or savings account

on XXXX my XXXX XXXX american express was taken it was taken out of my wallet along with other bank cards and my XXXX XXXX credit card my cards where taken to a XXXX XXXX at XXXX XXXX, XXXX XXXX  NY XXXX at about XXXX XXXX and used to purchase {$310.00} of stuff and also at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX {$28.00} was used for food all the cards where used but some cards had better security than others and i was able to get the money back from the companies and vendors it was a pretty easy case to solve it was clear cut fraud but for some reason my XXXX american express card will not do anything they will not refund my money that is why i am asking for help
Product: Credit reporting or other personal consumer reports

I went to check my credit score and I have like XXXX accounts that are now in collections for loans and credit cards I never opened. Someone has stole my identity and been using my name to open accounts. They all date to XXXX and XXXX and I can prove that I was in XXXX  for those XXXX XXXX ib just got XXXX  XXXX XXXX please fix this and what should I do
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex/Citibank , N.A customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.
Product: Checking or savings account

Wells Fargo Bank. I am a checking account holder in MA, where WF has NO locations. WF was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, WF encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, WF has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed W-9 on file. I phoned WF and they sent a W-9 form, which I filed and returned. They have indicated that this form was not completed to their satisfaction and they have continued the witholding.

I have called repeatedly and received email communication advising me to go to a branch location to complete another W-9. I have advised that WF has NO locations in my state and offered to send in a newly completed form if someone/anyone could advise where this should be sent. EVERY time I call, I am routed to another person, put on hold for upwards of an hour and advised to wait for further instruction. 

This is madness -- -and in my view, a violation of the Massachusetts Consumer Protection Statute c.93A. WF had a breach, and they are now imposing a hardship on a customer as a result. Indeed, one WF customer representative advised that I just drop the issue and deal with the witholdings at tax time. This can not be the law -- -Please help!
Product: Credit reporting or other personal consumer reports

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. 

ACCOUNTS : 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 a 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid off my credit card as I am planning a trip abroad and plan to use this card for that trip. The old card was damaged and destroyed. I went online to get a replacement and received a message that I had to call to request it. I called and was told this account was closed many months ago and they can not process the replacement. I asked when and was told a long time ago. i advised that the online portal shows the account active with a {$0.00} balance and an open credit line/available credit of {$3800.00} I was told don't worry we will update that. I asked why I was not informed, and they refused to answer that. I was told it was closed many months prior due to lack of use. I asked to speak to a manager and was hung up on. This is a huge disservice and discriminating to me due to my age. 

These are unfair practices, and they should be held accountable.
Product: Credit reporting

In XX/XX/2010 I was the victim of identity theft. 

The person or people had my name, date of birth, social security number, address, a credit card number, and a fake driver 's license. 

They attempted to get {$15000.00} from a bank in another state that issued the stolen credit card number but the bank did not give them the money. They then opened several consumer credit cards and bought things before I was able to stop them by placing a 7 year fraud alert. I got a police report in the city where I live to officially report the identity theft. 

Today I called Experian planning to extend the fraud alert another 7 years. 

Experian has a policy that they will not place a 7 year fraud alert unless there is a police report. I told them there is a police report. I was told there must be a new police report to issue a new 7 year fraud alert. They offered me a 90 day fraud alert. 

My argument is this : The data stolen from me ( name, DOB, SSN, address ) that allowed the thief or thieves to open credit cards at retail outlets has not changed and is still in the possession of the thieves. The risk of fraud is as real now as it was in XX/XX/2010 and no further fraud/new police report is necessary to prove that. 

Any consumer should have the right to restrict the use of their data for the purposes of opening a line of credit or credit card. A consumer with a history of documented identity theft all the more so. Requiring the consumer to renew a fraud alert every 90 days is akin to my child 's pediatrician offering vaccines that expire, and require a new shot, every 90 days. 

It does n't make sense, there is presumably a rationale on the part of Experian that relates to their business model and generating revenue from consumer customers, and in my opinion that is unfair and ought not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document immediately.
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. 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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.