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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2020 I reported my Debit Card as lost to U.S. Direct Express. 

U.S. Direct Express of XXXX XXXX, Texas is the default debit card provider for Social Security Administration benefits. 

I needed an urgent replacement card so I requested an urgent expedite mailing fee of {$13.00} plus a card replacement fee of {$4.00}. 

As of XX/XX/2020 no replacement U.S. Direct Express debit card had been sent. 

I called U.S. Direct Express at XXXX to ask why my replacement card had not been sent correctly. 

When calling U.S. Direct Express their customer service did not provide me an option to talk to an agent over the phone & they informed me that my replacement card had been sent out on XX/XX/2020 instead of XX/XX/2020 like I had ordered. 

This is Fraud. I was charged {$13.00} & as of today XX/XX/2020 my replacement U.S. Direct Express has not arrived. 

This outrageous & very upsetting. My bills for the month are overdue & I face potential late fees or suspensions in service due to the negligence of U. S. Direct Express. 

I am not happy with U.S. Direct Express. In the past U.S.Senators XXXX XXXX & XXXX XXXX who claim to care about Social Security Administration issues refuse to handle U.S. Direct Express complaints. 

U.S. Direct Express is unaccountable & misconduct complaints are not effectively handled. 

Consumer Financial Credit Bureau Please help me & other Social Security Recipients who suffer from U.S. Direct Express complaints like this one. Thank you. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. 

XXXX. XXXX - XX/XX/20 XXXX This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent account.
Product: Mortgage

Back in XX/XX/2019 I sent all requested documentation along with income documentation for the opportunity in obtain a loan modification. The documents were sent by certified mail to both the servicer PHH mortgage and XXXX XXXX XXXX, who forward the same information to PHH mortgage corporation as the servicer. The same information sent via email and fax. I then received a letter from PHH acknowledging the documents were in their possession. On XX/XX/2019 I received a letter from PHH indicating to send one most recent pay stub, On that day it was emailed and mailed again Certified mail to all parties. On XX/XX/2019 I called to Follow up and was informed that the request was denied, due to PHH indicated the images of the income were not clear. They denied and set a foreclosure date. I explained to them all the ways that the income was sent and that there must be a communication issue between their departments that needs to obtain these documents for review. Based on all the ways and from different places including their law firm there is no other way the documents can be sent. I ask to have the file escalated to a supervisor for review. Once speaking with the supervisor who after several request to pull up the previous emails that were sent with the same documents. The file was then sent to the underwriter for review. I requested them to postpone the sale date to allow the time for review and appeal if not agreed. Plus not to be charged for the cost of the scheduling of the sale date due to the communication breakdown in terminally at PHH. As the homeowner I have provided in a timely matter all requested documentation and followed up daily with no updates and it seems as if the representative are not informational as to the progress.
Product: Mortgage

I was browsing local lenders on XXXX and XXXX websites to find a local mortgage lender. I noticed there are several mortgage loan officers at our local Homebridge Financial Services branch that are not advertising their license number. Before I apply anywhere for a home loan, I 'd like to research and review their employment history to see how knowledgeable they are. The last time I gave my personal information for a home loan, I had a bad experience so I am very cautious. It 's my understanding that each loan officer is required to display their license number. I even noticed that one of their co-workers with a higher title is n't advertising his license number, either. I 'm concerned that this company is n't operating legally.
Product: Credit card

I had a XXXX XXXX XXXX card. I had it configured to pay the full balance every month by automatically withdrawing payment from my checking account. 

XXXX discontinued the XXXX card. Without notifying me, they transferred my remaining balance to a new XXXX XXXX, which I did not want and did not activate. They did not transfer over the autopay settings. 

I received no written or electronic correspondence that my balance had been transferred, or that any payment was due, until I received a letter today ( XXXX XXXX ) notifying me of a past due payment ( which affects my credit score ) and a late fee of {$35.00}. 

This is a fraudulent late charge and should be removed immediately. I called customer support but was never able to connect with a human being to request that they take action.
Product: Debt collection

Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX  years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please check the information concerning Equifax data breach below in attachments
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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.
Product: Checking or savings account

I'm not enrolled in overdraft protection, and never been to avoid been charged extra fees as I'm a single mother and only income in my home. I've being dealing with wells Fargo for a long time and unfortunately there is never a definite solution other than returning the fees collected and only if I complain about it. This last month the bank charged me XXXX in overdraft fees and they are refusing to return that money. Instead of declining transactions as it should be when funds are not available they keep approving them in order to collect fees without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.
Product: Credit card

I was sent a solicitation from Chase Cardmember Services to apply for a Mileage Plus VISA in XXXX 2015. The solicitation offered a XXXX mile {$0.00} fee first year and some additional inducements to apply and make charges of {$3000.00} within first 3 months. I applied via the website and was approved shortly thereafter. 

When I called to activate the card, I reviewed the offer and found they bait and switched me to a XXXX mile with {$1000.00} in first 3 months offer. I said, no, I responded, landed on page and applied under the XXXX mile offer which they initiated. The agent I spoke to said " I will put you in for the offer, must have been a mistake '' Now, I receive a letter which said the " offer '' ended XXXX XXXX, 2015. This is a classic and habitual bait and switch. Probably hope that no one would complain but I 've been in this situation before. How could their " XXXX offer '' which I received and sent end on XXXX XXXX, 2015? Why did they not notify, sorry this is not accurate when applying. I demand they honor their initial offer, this is very shady practices and should be noted as a possible habitual offense. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've attached proof of FactorTrust inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue FactorTrust and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.CXXXX No. XXXX ).
Product: Vehicle loan or lease

" Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX of issues resolved prior which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility of damages. Payments came out of pocket for repairs resulting in delays, Bridgecrest notified by phone day of occurrence as well as follow XXXX  after response from toe company
Product: Checking or savings account

On Friday XXXX XXXX at approximately XXXX XXXX I visited a bar in XXXX. The bar required a cover so I had to use my debit card to withdraw money sufficient to cover the bar cover. The bouncer was standing directly next to me and watched me enter my PIN. I entered the bar and opened a tab. 

A few hours later I attempted to close my tab and the bartender informed me I did not have a tab at that bar ( there were several bars in the restaurant ). I search the bar and give up around XXXX XXXX intending to return when they open the next day at XXXX XXXX on Saturday. I return home and sleep until the morning. 

The bar closes at XXXX XXXX. Around XXXX an XXXX XXXX male ( matching the description of the bouncer is seen withdrawing cash with my ATM Card. I later reported the incident to the XXXX who were able to pull this video to verify my story. The same person then drives out to the suburbs of XXXX and in the preceding hours spends over XXXX at XXXX, ATM 's and XXXX. 

I notice my account has been drained around XXXX XXXX when I am heading to the bar to try to recollect my card. Chase Bank froze my account and informed me I would need to go to a branch to report the card stolen on Monday morning. At no point did Chase call me or attempt to verify the transactions. 

Upon reporting the card stolen the charges were temporarily reversed. However, later they determined the charges were permitted due to : 1. A clerical error in the first person submitting the charges and only submitting one instead of all of the charges, 2. The physical card being used with the PIN and 3. The charges taking place within 100 miles of my place of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX has submitted a false collection against me, I am a current XXXX XXXX XXXX customer. It was submitted to a Collection Agency by the name of XXXX XXXX XXXX. I have a current balance of {$0.00} with XXXX XXXX XXXX. If there was a balance owed XXXX XXXX XXXX has the ability to add any payments to my current account or contact me by email, phone, invoice by letter to the service address on file or through the online portal attached to the current service account I have with XXXX XXXX XXXX. Experian hasn't done the proper investigation into this false collection, all while sending alerts concerning misuse of my personal details on the Dark Wed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -DIVERSIFIED ADJ SVC XXXX XXXX -XXXX/DEPT OF ED # XXXX -XXXX/DEPT OF ED XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App cancelled my account without adequate explanation or an opportunity to appeal the cancellation. 

I have repeatedly requested more information and an opportunity to appeal and have been refused repeatedly. 

This lack of transparency and good customer service is not acceptable.
Product: Mortgage

I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home. 
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25. 
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing. 

Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible.
Product: Debt collection

Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX  they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. 


Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am writing to formally file a complaint against my mortgage servicer, Cross Country Mortgage, regarding significant issues with their website and payment portal. 

In XXXX, 2024 my mortgage was transferred to Cross Country Mortgage. I had no issues with my previous servicer 's payment system. However, I have encountered multiple problems with the new servicer 's website. 

Firstly, the payment portal only displays the last four digits of the bank account number. My bank increments the middle digits, not the last four, which if i'm being honest has caused the confusion in the first place since I can not verify the account number on the servicers website. Recently, I started using a separate account that coincidentally ends with the same last four digits. 

In XX/XX/year>, I deleted the old bank account information I was making payments with and added the new account details. After making a payment using the saved information, the wrong account was charged. I immediately contacted the servicer to report a potential backend system issue, as I had deleted the old account and entered the new one. The servicer conducted an investigation but determined it was not their fault. I accepted this conclusion as a mistake on my end. 

To avoid further issues, I deleted the saved account and added the new one again when making both XXXX and XXXX 's payments. However, during XXXX 's payment cycle, I decided to use the saved payment information, believing it would be safe. Unfortunately, the old account was charged again, indicating a recurring problem with the servicer 's backend system. 

As a result of these issues, I have incurred {$60.00} worth of NSF ( Non-Sufficient Funds ) fees this year, with each instance costing {$30.00}. This is causing financial harm and undue stress. 

I have formally requested the servicer provide logs of my saved payment entries and the corresponding values, but they have refused to do so. I believe there is a backend database issue causing my saved payment information to be overwritten at some point. However I can't verify whether it's right or wrong account since it only shows the last 4. I servicer also can not verify my current saved information either. 

I am requesting the CFPB 's assistance in resolving this matter. The servicer 's refusal to provide the requested logs is unacceptable, and their system 's deficiencies are causing significant inconvenience and financial harm. 

Thank you for your attention to this matter.