23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a business that I use Square inc to process my purchases. Square is withholding my funds for 90-180 days. My business accounts are now in the negative as well as my business line of credit. Because of this they have no support through customer service and no alternative is offered.. I offered to present my business documents but they wont review them
Product: Debt collection

This debt collector violated the FDCPA by engaging in XXXX deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : FIRST CREDIT FINANCE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Checking or savings account

I previously addressed an issue with Navy Federal Bank concerning my limitations on filing disputes. I am currently blocked from filing my own dispute and need to provide accurate documentation regarding the XXXX XXXX XXXX XXXX. I left the resort early, and my only evidence is a photograph of my checkout, which includes the checkout cards on the table. I am requesting a refund from this resort.

I was denied a provisional credit, and recently, every dispute I file is not being properly handled by Navy Federal, resulting in my requests for refunds being refused. Consequently, several companies are retaining my money because Navy Federal is not thoroughly reviewing my evidence and considering my side of the story. I need assistance in ensuring that my disputes are properly addressed and that I receive the refunds due to me.
Product: Credit card or prepaid card

On due date I paid {$40.00} toward my Lowe 's CC balance. The min pmt was {$29.00}, so I had to select " other amount '' and enter {$40.00}. 
Upon receiving the confirmation email, I realized the total due amount of {$620.00} was paid, not the {$40.00}. I called and was told by the representative that they could refund my pmt in 7 business days. I called in 7 days just to be told I would need to wait 2 more days. I was also told the pmt would not be electronically deposited back into my account, rather I would have to wait an additional, up to 13 days to receive a paper check in the mail. We shall see if I receive a check. Meanwhile, my checking acct balance is at {$28.00}, with other bills due.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX called my home phone. My XXXX year old son who has XXXX answered. XXXX asked him some questions about me including D.O.B. which he gave them. They then proceeded talking with him about a debt they say I owe. After a minute or 2 I realized he was talking about me and I quickly grabbed the phone. I asked who the caller was and they quickly hung up.It wasn't until XX/XX/XXXX at XXXX XXXX that I found out who it was after they called my cell phone with the same number used to call my home. Today is XX/XX/XXXX and they called again yesterday XX/XX/XXXX at XXXX XXXX. claiming I owe them money. I have no information stating I owe them anything or where the debt is from. I also have nothing from them regarding my rights to verify or dispute their claim which they are required by law to send within 5 days of initial contact which was back on XX/XX/XXXX when they talked with my XXXX year old son.
Product: Student loan

I have several loan types ( DLSTFD, STFFRD, UNSTFD ... ) and have applied for loan forgiveness through Fed Loan Servicing/US Dept of Education. I went through the very long and arduous process. Two months later I received a letter from FedGov stating my loans were " Paid in Full ''. The letter also showed the amount of my original loans and that my balance was XXXX on all XXXX loans. I called and spoke to someone who said this was correct, and that I had XXXX balance and would have no more payments. 
Two weeks later I get a call from XXXX XXXX ( who carried my loan ) saying my loans are now consolidated and will have a new amount to pay. I said " but I was told I had XXXX balance now '' and they had no idea what I was talking about and told me to call Fed Loan Servicing back. 
When I called Fed Loan Servicing back, they had no clue what letter I was talking about and said " we dont send out letters like that, we have no record of that letter ''. 
Every time I call them ( XXXX ) I get a different answer and can not get help. Please help me! I am a XXXX with my XXXX Degree and can not navigatge through this very confusing loan process!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification recently of a 30 day delinquent reporting on my credit which resulted from the company that I financed my vehicle through. I immediately contacted the company in efforts of resolving this matter as I knew I had not been delinquent on my car payment recently as I'm working towards rebuilding my credit after losing my mother and being in/out of work as her caretaker. I spoke with countless representatives who stated that my account was reported as delinquent because of a deferment granted back when my mom was living and the loan was not satisfied so the account was reported 30 days delinquent. I had no understanding of this scenerio provided and advised several associates that this was very deceptive as if this was the case I would have never agreed to the deferment to begin with. After speaking with several reps, I finally called back and spoke with with XXXX XXXX XXXX who appeared to be very understanding and stated that she saw the deferment and maturity date had nothing to do with the negative reporting and she saw that my account had been paid timely for the past year at least. She stated that she would research further and follow-up with me. She asked that I send her the reporting as received from the alerts set up to monitor my account. I quickly complied and after sending the documentation. XXXX responded and stated that all recent reporting was accurate and that the XX/XX/2021 payment was delinquent and sometimes the updates are delay. AFter providing XXXX with my payment history as shown on their website as well as confirming that my payments are due on the XXXX of each month and the XXXX payment was made on XX/XX/2021 using two debit cards and should not have been reported as 30 days delinquent. This adverse reporting has hindered myself and my family from being able to move forward in the marketing to purchase my first home and gather back the pieces of my life since the passing of my mom. I'm asking that this be assessed and updated immediately. I had emailed the company and XXXX but I'm being asked to file a formal dispute instead of making the adjustment to avoid this type fo escalation. I take pride in trying to regain my credit worthiness and would like a written response that this has been removed from my credit report and a formal apology from the company as this has taken me ten steps back in buying my first home. I feel that this is very deceptive to me as a consumer and I'm expected to accept their response without them trying to assist me as their borrower.
Product: Mortgage

I went to BB & T bank to secure a VA loan XX/XX/2016. My loan officer miss represented the Underwriters needs concerning needed documents needed for closing. I sent newly prepared documents in. time was relevant and time ran out. I then had a new meeting with loan officer and was told i would be able to get qualified and that he would write a letter himself to address the problem area i was having to get loan processed. XX/XX/XXXX i was rejected because all of the documents i had sent in to prove i was living in home was n't enough i had asked my loan officer i 'd do anything they wanted to prove my living in the home and did everything i was asked. I then went to another Bank where I transfered all my documents to and the only thing left was the VA appraisal. I put in the request to have the appraisal transferred weeks went by nothing. twice this scenario happen. I wrote multiple emails to BB & T then was told they needed a letter from both new bank and myself requesting the appraisal be transferred. I did that and thought everything was over but got email from mu loan officer stating that he had not received the appraisal yet. I wrote the loan officer at BB & T again he stated that he was working on it and to be patient. Im now into the next year and my new loan officer just sent me an email stating that i 'm about to loose my locked in interest rate because BB & T cant or wo n't transfer my appraisal.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Debt collection

The first notice I recall receiving from XXXX XXXX XXXX dated XX/XX/XXXX. It notified me that Capital One retained them to collect a debt. Capital One did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. XXXX XXXX XXXX had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. Capital One never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to Capital One. They never attempted to locate my new address or call.. I had no idea I was behind on payments.
Product: Mortgage

On or about XX/XX/XXXX requested mortgage modification of the terms and conditions my mortgage interest rates due to lack of affordability with the changing interest rate terms from of 2 % to 3 % due to financial hardship. On or about XX/XX/XXXX I was grant forbearance on past due amount of approximately {$3500.00}. On or XX/XX/XXXX was granted or approved for trial modification in the amount of approx. {$1100.00} for three months. On XX/XX/XXXX I rec 'd the new mortgage modifications with new terms and conditions with the same terms and condition of the original mortgage with step rates which is designed to increase my interests on first 12 month 3 % to 3.5 %, and on the 13 month and 3.875 % on the 25 month with a balloon payment of XXXX at the end of the new maturity date of XXXX. The new terms and conditions drawn up and provided by SPS Servicing Inc are not reasonable affordable and thus not sustainable terms and conditions. A more affordable terms would be to maintain my mortgage interest rates to remain at 2 % for the terms of the loan to the maturity date of XX/XX/XXXX which will make the mortgage payment more affordable. I am requesting the agency review the matter in more details.
Product: Money transfer, virtual currency, or money service

I attempted to initiate a wire transfer from my Wells Fargo Personal Checking account ( last XXXX XXXX ) to an external XXXX brokerage account which I own. The amount was & USD XXXX. The wire was imitated online with 2 factor authentication successfully. Shortly after I was contacted by Wells Fargo Fraud Detection, and asked a series of questions, to which I answered and was told the responses were acceptable. Then my online banking access was blocked. After contacting WF and requesting unblocking the account access and releasing the wire transfer, the funds were refunded back to the my WF personal checking account. This process has occurred 4 times, and I have not been able to successfully wire money to my other banking institution. This seems to be standard practice by Wells Fargo for large wire transfers.
Product: Credit card or prepaid card

Someone called said they were with credit card services for XXXX XXXX, XXXX, XXXX, and Discover card. They new my balance, last payment and future payment date on a Discover and XXXX I own presently. They said they were going to lower my interest rate on those cards and any others that I have.
Product: Credit card

I was informed Wells Fargo replaced XXXX XXXX Credit Card around XX/XX/XXXX, With XXXX XXXX XXXX, their choice I did not request. XXXX XXXX had no numbers on it and they had to send new card. I received new card. 
I received a letter on XX/XX/XXXX dated XX/XX/XXXX Stating I must Fax or go in person to provide Tax papers from previous year. The letter XXXX that the Consumer Financial protection Bureau is asking for the information to be in compliance with regulatory requirements. 
I went in person to Bank with the info asked for. The Bank had no idea really why this info was needed. Their Solution was to cancel XXXX and have me come in with my Articles of Incorporation an fill out new application. Now it says I canceled my card because i don't need it. Of course this will mess up my credit. We discovered that after my visit to bank in XXXX To correct that my husband was not on the account but was on the initial application paper work, That was indeed NEVER corrected. 
I tried to call. The numbers provided on the back of the credit card and the Credit card statement do not bring a customer to the Credit Card department. I had to go through XXXX agents and about XXXX minutes to get someone from the Credit Card Department. I was told by agent this Government agency is requesting my last year tax info, as bank is missing information. I asked what information was missing and they could not provide an exact answer. The number I am asked to Fax to is XXXX XXXX XXXX XXXXXXXX. I have no idea what this is. 
I have been a customer personal and Business for around XXXX  years or more. I'm sure they have any and all financial information about me they need or can freely access. 
Please note the card is Canceled per their suggestion.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 53 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Upon further investigation, I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/X/17. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Mortgage

In XX/XX/XXXX, my wife and I purchased this property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was purchased by EverBank a short time later. In XX/XX/XXXX, I contacted EverBank to inform them that I was seeking to give the property to the bank in a " deed in lieu '' process ( my loan was current at this time ). The Bank assigned XXXX XXXX to handle my request. I sent all the documentation requested. On XX/XX/XXXX XXXX notified me that my application was complete. On XX/XX/XXXX, I received an " Initial Eligibility Letter '' from EverBank/XXXX. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three " judgments ''. These " judgments '' are not mine ; and I have purchased and sold over thirty properties without these " judgments '' being an issue. On XX/XX/XXXX, I received another letter from EverBank stating that my application was complete. On XX/XX/XXXX, I was notified by ( new acquirer ) TIAA Bank, that again these " judgments '' are an issue. On XX/XX/XXXX, I received a Demand letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( law firm ) notifying me of the {$98000.00} balance and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX. and he promised that he would clear up the matter.
Product: Payday loan, title loan, personal loan, or advance loan

I have been using Brigit for a few months now and I haven't had any problems until recently. I had on XX/XX/XXXX received a {$70.00} cash advance payment from brigit to help with keeping my self afloat financially. On XX/XX/XXXX the company took {$42.00} out of of my account. I have been emailing this company about this situation for 3 days now and they claim that the {$42.00} payment was for the previous cash advance XX/XX/XXXX. Long story short the company took {$42.00} out of my account for no reason and continued to tell me that I owed them the amount taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against TransUnion for not investigating and removing the errors and inaccuracies from my credit report. Transunion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. 

XXXX XXXX XXXX - Multiple variances and inaccuracies as noted below : Date of Last Activity : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 
Date Reported : TransUnion XXXX, XXXX XXXX, XXXX XXXX Date Opened XXXX TransUnion XXXX XXXX XXXX but XXXX shows XX/XX/XXXX. 
Account status : Transuion shows opened, XXXX  and XXXX show closed. 

See attached for more information on this account but it is inaccurate and needs to be deleted from my credit profile, much less, I have no idea what this is and if it truly belongs to me because Transunion hasn't proven it. 

XXXX XXXX - XXXX - this is a HIPAA violation. I did not give XXXX XXXX permission to share my information with anyone. Plus they are reporting several inaccurcies : Date of Last Activity : Transunion XXXX XXXX Shows XX/XX/XXXX XXXX shows XX/XX/XXXX. 
Date Reported : Transuion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 
Date Opened : Transunion XXXX, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 

These are clear violations of Metro 2 standards. Please help me get these removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXXXXXX acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXX stating I had a XXXX balance on this above mentioned account when XXXX XXXX or Experian call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls
Product: Mortgage

This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check this accounts ( A ). It is unacceptable to list this accounts as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX