23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019, I paid approx. half pay to mortgage of XXXX because my wife had messed with our living budgets so I paid them then XX/XX/2019 I called M and T bank for amount of owe the half to my mortgage for XX/XX/2019. I asked XXXX at his customer service about I want to pay full to mortgage on XX/XX/2019 thereon and plus {$130.00} till pay off the owe then back to normal mortgage payment. XXXX refused to my request and wanted me to pay full of XXXX because of M & T bank rule. I told him that I didn't have full payment but only I can afford {$130.00} for about approx. 4-5 months would be full paid with XXXX full amount payment this would be back to normal mortgage payment. XXXX and me were dispute. He asked me do we plan to sell our house. I said no, we don't sell my house as stay here for years. XXXX lied to me because he said he will check his bank weather or not approve my half payment may put in the end of maturity payment. So he wanted me to pay full about {$650.00} to paid on XXXX then I must pay full on XXXX. I told him I didn't have full pay because we are low income but I can do is {$130.00} payment with full payment. But XXXX lied to me because the next 3 or 5 day almost everybody at M & T bank called to my wife almost everyday about ask her for our house for sell she told them No! Almost everyday! for about 3 months that was no stop! Nobody took her NO! Our house is not for sale period! We did told M & T Bank we want to talk their supervisor they refused! Still they harassment us continually. I had been anxiety caused by my type XXXX XXXX because of their harassment! My wife has XXXX XXXX pain because of her pressure with this problem. We have proof our health conditions. about two or so the other bank which is XXXX XXXX manager XXXX XXXX XXXX We did answer it but it was not able to my mobile and, they hung up on my wife. We did not understand with their problem. We got another victims as some ads post cards sent us about sell our house. We still refuse to sell our house! We still not have any solves with these problems!
Product: Debt collection

Have no idea why this item shows on my credit report. It is outside of California Statute of limitations.
Product: Bank account or service

THis is my Complaint with Chase Morgan Bank Please HELP. CHASE MORGAN BANK keep trying to FRAUD me with my OVERDRAFT. 
Ok for over a week all my purchases has been pending and these purchases are was paid and and delivered threw mail but yet it was still pending. Chase just want me to be confused that show I have money when actually my account is already negative. They just want me to buy more when my account is already overdraft. 
RIGHT WHEN I send them online message about why all these almost or XXXX purchase are still pending. They fix it the same day or night. 

WELL NOW. I paid XXXX {$330.00} and it actually showed up on my Account. But when XXXX charge me for {$450.00} why did Chase all of a sudden put this {$330.00} pending and charge {$450.00}. You see I figured out my purchase. I paid the $ 335 days before and it was not pending. So that left me with about {$59.00}. Then I knew XXXX was going to charge me the {$450.00} whcih I will be charge an Overdraft fee. 

But what does Chase go and do so I can PAY for XXXX OVERDRAFTS. The put the {$330.00} that was not pending days ago in pending now and they paid for the {$450.00} which was just posted today and should of been pending. 
And this is how they charging me for XXXX OverDraft. 

I am sick and tire and I am tired of CHASE taking advantage of my XXXX becuase I have a payee too. CHASE has been doing this and IM FINALLY FED UP.Im XXXX and angry and having problems with this. I am on SSI and struggling. They know I need the bank for my SSI. What they think im to dumb or stupid and to sick. 
PLEASE I am going to file with the Consumer Complaint and XXXX and WHo ever else I can reach. and XXXX XXXX ect ... 


THank you XXXX XXXX
Product: Mortgage

Our home was supposed to have been sold. Because of the noise and air pollution happening around the clock, preventing us from getting even a near normal nights sleep. We left our home before the sale was final. ( To stay with family in North Carolina ) We were told there was to be an inspection of plumbing on the inside of the house from the town of XXXX. Then told they had to hire someone to fill one of the basement drains ... ( which by they way was completely dry for the 6.5 years we've been here ) We told them NO because no one was there to represent us. It was done fraudelently, only to let us think it was required in reality it was so we would think when the basement was deliberately flooded we would blame on what was done ... which we did.. That was never the case, it was done as a work order and never did we recieve even a bill from the person until we finally had to come back to the house only to find basement damage, mold and decay. Days after coming back to the house instead of billing from the work order we already had a judgment against the house ( the inspection was done in late XX/XX/XXXX and by XX/XX/XXXX we already had a judgment against our property ) Which is why Wells Fargo only pretended to want to work things out with us, they were waiting for us to get the judgment notice ) On XX/XX/2019 We recieved a notice from a server that we have 20 days to respond.
Product: Credit card or prepaid card

I pay a card fee for my chase sapphire preferred card because it provides purchase protection up to {$500.00}. When selecting credit cards I had many options, it was this advertised purchase protection that made the chase card stand out to me and was one of the main reasons I selected it. 

The purchase protection is run by a 3rd party XXXX XXXX XXXX ( XXXX ). Their negligence in completing my claim has resulted in me making over 12 calls over 7 months ( their websites claims to complete claims in 5 days ). The incompetence of the staff at XXXX results in them not being able to providing a service that I paid for, this is theft. The amount of calls I have had to make and invest my personal time results in reduced productivity at work, not to mention the personal stress this is causing. 

On XX/XX/XXXX I made a claim. XXXX promotes that it takes 5 days to file a claim and received a confirmation email XXXX attached ). 

On XX/XX/XXXX I moved and updated my address with Chase. 

On XX/XX/XXXX I had not heard anything so I called XXXX to see if they needed more information or anything? I called once in the morning and spoke with a representative named XXXX and once in the afternoon with a representative named XXXX. The calim was ruled in my favor for the full value of {$500.00}. They said they had everything they needed and the reasons that it took longer than 5 days was an internal hang up. They assured me the check was on its way. 

On XX/XX/XXXX. I still hadn't seen the check so I called again. They had sent it to the old address. Note that I updated my address with Chase. Its not my responsibility to call each and everyone of their 3rd party contractors to update my personal information. Therefore, XXXX 's excuse that they had the wrong address on file is not valid. Specifically since the claim should have been handled in the time between I filed it and when I moved. So I gave them the updated address and they assured me it was on its way. 

On XX/XX/XXXX I still had not seen the check so I called. 

On XX/XX/XXXX I called and still had not seen the check. 

On XX/XX/XXXX I called twice because I still had not seen the check On XX/XX/XXXX I called again. They assured me it would be handled that day and I would revive an email. I have not heard anything. 

I am fed up. I believe I have done my part, provided the information they requested. They need to be held accountable to ( 1 ) pay me ( 2 ) refund my card fees since they were not able to deliver services we agreed on ( 3 ) be investigated for theft. 

Thank you, XXXX
Product: Credit card or prepaid card

I was booking a trip on XXXXXXXX on XX/XX/2020 and saw a banner advertisement for a XXXX XXXX Mastercard through Barclays, offering XXXX reward points, {$100.00} credit, and 0 % apr for the first year. When I clicked on the advertisement, it took me directly to the application page for the card, I went off what I saw on the banner as there was no landing page describing the terms of the card. The main reason I wanted to get the card was because of the 0 % apr for a year. 

I used the card to book the trip, received the XXXX reward points, and {$100.00} credit. For my first bill, to my surprise there is an interest fee, which I called Barclays about, and they waived it. They told me to check the terms of the card, which I saved the copy that was mailed, and in it, it states that I have 0 % interest for 12 billing cycles for balance transfers. I asked them, why would I get a card for a trip  that I'm booking for a balance transfer? That makes no sense. 

When I signed up for the card the banner advertisement said 0 % apr, which I thought was for purchases, I had no concerns or needs for a balance transfer when I'm booking a trip. They now have a landing page for the XXXX card that states the 0 % is only for balance transfers. This was not there at the time I signed up for the card. The banner advertisement I used to decide to sign up for the card was totally misleading as it did not state the 0 % apr was only for balance transfers, and that is why I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute the actions of [ MIDLAND CREDIT MANAGEMENT Account number XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F.

3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ MIDLAND CREDIT MANAGEMENT Account number XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Curtwright & Klein, LLC called me using XXXX. The person callling refuses to identify himself. I 've asked him 5 times not to call me at work because I can be fired. They use vulgar language and threaten me with legal action. They are a collection agency not the original creditor. I am writing the state attorneys General Office for Texas, and also copying the debtor 's so-called " compliance '' department regarding violation of the FCRA because Curtwright & Klein use of threats, other means, use obscene or profane language, falsely represent that the debt collector represents a state or federal government, gives me misleading information on the amount or legal status of a debt and declare it is " Pre-Legal '' giving the false implication that debt collector is an attorney or law enforcement officer, or that nonpayment of a debt will result in arrest or imprisonment, and cause my telephone to ring repeatedly with intent to annoy, abuse or harass. Please enforce the law regarding this type of horrible harassing behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SYNCB/XXXX  XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I paid an escrow amount of XXXX in XXXX 2015. Since then I have been fighting with Freedom Mortgage every month regarding my payments because they did n't apply my escrow payment, then they started withdrawing higher amounts to cover the additional escrow fundings. Then in called in XXXX stating all these issues, they said oops their fault they will fix everything, they put the blame on XXXX, I said you are the same company with XXXX different names so the blame stays with you. I need my issues fixed, this is my XXXX mortgage, I never had any issues with my XXXX home loan. I received a statement dated XXXX/XXXX/2015 and it says I missed a payment of XXXX ( my payment is XXXX ) I have unapplied funds of XXXX and now they want me to pay XXXX. I called and spoke with XXXX XXXX, she said it was a mistake it 's all fixed now. I explained Freedom Mortgage has been saying this since XXXX and it 's not not fixed, I am filing a compliant. This company needs to be looked into at the highest level, and same with XXXX, because between the both of these companies something is not right, and the consumers are paying for it.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cashapp Block Inc. Due to inadequate customer service and unfair practices, which violate the CFPA ( Consumer Financial Protection Act ). Specifically, Cashapp 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 EFTA ( Electronics Fund Transfer Act ), and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the XXXX XXXX XXXX XXXX have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Student loan

I have a private loan for {$10000.00} that was given to me through my XXXX school, the University XXXX XXXX XXXX XXXX XXXX XXXX, which is serviced by Heartland ECSI. This loan was deferred throughout my residency and fellowship training, through verification forms that I submitted on time every year ( see attached forms ). During COVID, the University and ECSI were following the guidelines from the CARES act, continuing the forbearance regardless of training status because of COVID. When I spoke to the ECSI representatives during this time, they told me that I did not have to submit any training verification forms because my loans were already in forbearance. 

Unbeknownst to me, the University and ECSI decided to stop following the guidelines for federal student loans, and as of XX/XX/XXXX my loans went back into active repayment without my knowledge. I received NO communication that this was taking place, neither from the University nor ECSI. I had assumed that my loans would remain in forbearance until XX/XX/XXXX, as my other federal loans will. Unfortunately, I was charged interest for the month of XXXX, even though my fellowship training did not end until XX/XX/XXXX. In fact, I even had a final deferment form dated XX/XX/XXXX, which should have covered me through the month of XXXX ( see attached forms ). 

My plan was to pay off the loan in full once the forbearance ended and am prepared to do so today. However, it is not right that I was charged interest for a period of time when my loans should have been in forbearance. Despite multiple phone calls to ECSI explaining the situation, they refuse to remove the interest from my account. After much difficulty ( including being hung up on by an ECSI " advocate '' ), I have escalated the situation to a supervisor and am awaiting a call back regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested XXXX  to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by LexisNexis. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, XXXX again informed me the information was confirmed by LexisNexis. My information was suppressed from LexisNexis XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested XXXX  to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX  XXXX is the bank with permission to pull my credit.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite me having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

DELETE NOW OF DOCUMENT THE CONFIRMED FACTS FOR EACH : XXXXXXXX XXXX XXXX XXXX ALLEGED CHARGE OFF XXXX XXXX XXXX XXXXALLEGED CHARGE OFF XXXX XXXX XXXX XXXXALLEGED LATE PAYMENTS IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING , I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL TRANSUNION CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX, Experian, and XXXX  they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Product: Credit reporting

Case # XXXX - XXXX XXXX This has been paid and fully satisfied. Attached is the letter of confirmation dated dated XXXX XXXX, 2014. Record at XXXX on XXXX XXXX, 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXXAs proof that these accounts were not investigated properly thank you.
Product: Debt or credit management

I paid both Chase and XXXX in settlement. The status needs to be changed to paid in settlement as it says charge off that needs to be corrected as well as XXXX that was not mine at all the status also needs to be changed and removed. From XXXX and XXXX I cant stress this enough
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX XXXX - {$0.00} Discharged Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in XXXX