23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.
Product: Mortgage

I applied to refinance my existing mortgage with XXXX XXXX XXXX, XXXX. on XX/XX/XXXX,  to include the consolidation of two credit card accounts with the same bank. The estimated value of my property at the time was {$210000.00}, compared to the appraised value of the property in XX/XX/XXXX of {$180000.00}. An appraisal was ordered by Chase, and came back at {$180000.00} which I contested. The appraiser used outdated comps, and was supposedly " training '' when he visited the property. I provided the original appraisal, and current comps to my Loan Officer, XXXX XXXX, and was told the appraisal came back at {$190000.00}. The refinance process was started, and was supposed to refinance at the current rate, and consolidate the two credit cards with no cash back. 

After proceeding through the process, we closed on XX/XX/XXXX, with a mobile notary from XXXX XXXX. I was told at the closing there would be a check/checks delivered to me after processing. I was also given a Right to Cancel at the signing. I received one check on XX/XX/XXXX, made out to me for {$1600.00}, watched my accounts on line to see that the credit cards were paid. When the cards were not paid by Friday, XX/XX/XXXX, I reached out to XXXX XXXX to see when and how they would be paid. He told me that I would receive checks made out to Chase from the Title company to pay them off, and he would check to see what was happening. On Monday, XX/XX/XXXX, I was told by XXXX that the credit cards were not going to be paid off, and he would check further to see what our options were. He also referred me to his supervisor, XXXX XXXX, for possible other options. I received a call from XXXX XXXX on Tuesday, XX/XX/XXXX, that the credit cards were not going to be consolidated because the appraisal had come back at {$180000.00} instead of {$190000.00} as expected, and that my Right to Cancel had expired, and there was nothing more I could do. 

XXXX XXXX admitted to me during our phone conversations, that underwriting had changed the refinance back in XXXX, and he had missed it. He also admitted that the appraisal was only {$180000.00} vs the {$190000.00} that we were anticipating which he also missed. These were major changes in my loan application that were NOT disclosed to me before signing, and in my estimation constitute fraud on the part of Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself there is no third party involved. Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Section 1681i, which sates that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.
Product: Mortgage

Specialized loan servicing has been charging late fees to my account making it harder to make my monthly payment as I'm on a fixed income. My account has late fees in the amount of {$150.00}. I'd like them to waive those fees so that my account could be in good standing. I send my payments before the beginning of the month and they are " early '' as I sent the XX/XX/XXXX payment at the end of XX/XX/XXXX for example and the servicer receives it before the due date which is the first of every month. However, for years I have been charged late fees and they say I am making my payments late. I don't believe I have ever missed a payment as I would known since my income is very limited. They also said that there was a payment increase and my payments were short. That this happened in XX/XX/XXXX. None of this was explained during all of my calls to the servicer. I am just barely finding out with my Housing Counselor 's help. Please reach out to my servicer and help me resolve these issues. I want my account to be in good standing. My income is only {$1400.00} a month since my husband passed away in XX/XX/XXXX, and if the servicer would have explained this before, the late fees would not have accumulated. I appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my background report states that I was in XXXX for 30 days and it has cause employment opportunities to fall through. I was fired on the spot when the background check came through because they stated they could not hire someone who went to XXXX. I have never been to XXXX in my life.
Product: Credit reporting or other personal consumer reports

Evrything tarted back on XXXXXXXX XXXX XXXX I had decided to open a saving account with XXXXXXXX XXXX on line yes they were many popupd so I activaded the adblocked and a XXXX screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXX XXXX  I lost that day XXXX I had to pay the card up and asked XXXX XXXX to XXXX report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had any account with these creditors as i know as there intrest rate and services are bad news
Product: Debt collection

XXXX XXXX has submitted a debt twice the amount to my credit I gave disputed several times the amount is inaccurate XXXX insist and lie it is accurate no cell phone bill with all phones paid for can get to {$5000.00} they are scams and it shows they never sent or presented to me any bill close to the amount on my credit they have caused severe mental pain and anguish and the debt and their actions have caused me harm
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service to 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX The platform was completely anonymous and did not provide any details about their license or regulation. They also have not provided information about their parent company, company address, contact number, and email address. Notwithstanding the foregoing, the individuals that contacted me have explained and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting my lack of special knowledge and skills, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. Deceiving me and promising substantial and rapid return of investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. As a result of the interaction with the aggressive Merchant, I lost approx. USD XXXX ( XXXX Dollars XXXX XXXX and XXXX XXXX and XXXX XXXX ) paid in series of transactions within a short period of time. All payments were initiated through my account with WELLS FARGO, N.A.. WELLS FARGO , N.A . never warned me about potential risks associated with those payments. I addressed a letter to WELLS FARGO, N.A. claiming a feasible compensation offer. The bank did not provide any response or feedback to this letter.
Product: Credit card or prepaid card

Since XXXX, I have made every attempt to work with Bank of America to resolve this issue. Not only does Bank of America not thoroughly investigate, they use unfair analytical tactics as a basis for denying claims In example : When I originally filed the dispute of the transactions, a member of the bank of America investigations team informed me that one of the reasons they denied my claim was because I was making payments on the account. He informed me that if I make a payment on my account for the disputed transactions, it is the same as accepting liability for the transactions. As such, I only applied those payments to the part of the balance that I was responsible for and stopped making payments on the remainder of the balance as I continued to make attempts towards resolving this dispute.

To date, regardless of the times I have disputed the validity of the charges that resulted from the account take over, Bank of America denies my claims that the charges were made fraudulently.

Moreover, they fail to provide ANY documentation used during their investigation to make the determination. I have only ever received single page letters from the institution informing me of WHY they came to the conclusion without any proper documentation. At one point, they sent me an envelope of statements. The address on many of those statements was not even my own. Whoever had attempted to take over my account also changed the address on those statements.

I am attaching herewith a copy of the statement with the fraudulent charges with additional notes that I made in the past and one of my dispute letters that was distinctively mailed to Bank of America in XXXX. The only response I received was a single page letter saying that they are denying my claim at this time. 

While this dispute is ongoing, Bank of America on a monthly basis reports my account as a charge off in an effort to re-age my account and make the negative remarks reported more predominant in my credit files on both XXXX and XXXX XXXX. 

Bank of America has a habit of denying valid claims without providing evidence of the validity of transactions. They fail to even review a dispute before making their determination. In my last dispute with Bank of America, they did not even read the police report in which I named the person responsible for changing or using my identity. 

I would like CFPB to review my dispute and assist me in coming to a resolution. This charged off account has caused me to lose great credit opportunities. It has caused me to lose multiple accounts, and has prevented me from being able to buy a home or lease a car under my name. 

Please assist me in getting this matter resolved and prevent further harm to my credit file because of Bank of America. 

I am also attaching herewith a copy of the dispute letter I will be sending to Bank of America and older documents pertaining to my dispute. From XXXX to present, I have filed my disputes using the 3 National Credit Reporting Bureaus without ANY response from Bank of America and I really need this issue to be resolved.
Product: Debt collection

Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. 
When he called the number they left, they then identify themselves as a student loan consolidator. 
We want these calls to stop.
Product: Vehicle loan or lease

I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX  no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX
Product: Mortgage

My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX  in XXXXl ( XXXX  XXXX University ) and I opened an account in the XXXX  XXXX XXXX to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company Xoom.com. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the Xoom.com company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?
Product: Credit reporting or other personal consumer reports

I have hard inquiries not authorize by me : XXXX XXXXXXXX XXXX XXXXXXXX, which they didn't mention in terms that if I access new line of credit they will do a hard inquiries. 

XXXX XXXX XXXX, I don't recognize this hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I applied for an apartment and received a denial from a landlord. The landlord Used Transunions Smartmove. I tried to receive an explanation and the landlord refused and stated he would mail a copy of the report. I tried to get a annual credit report and they stated I could not receive it online. Transunion refuses to provide me with any information to investigate their information. This is violation of the law and needs to be investigated and possible prosecution. I have every right to my information that I had to pay {$40.00} for. This should be illegal that landlords charge for application fees unless the apartment is approved. It's a shame when companies and businesses rights are put above citizens!! And they are allowed to run amuck. This is a prime example.
Product: Debt collection

It happened around XXXX of XXXX I received a letter in the mail on the XXXX of XXXX about a change of address for a credit union, XXXX XXXX XXXX XXXXXXXX XXXX. I called the company to let them know that I do not have an account with them. There security department was supposed to get in touch with me about the account, but they never did. The next time I call they said they were not allowed to give out any information but wanted me to give them my information to see if it matches what they had in their records. 
Later I received in the mail paperwork from, debt collection company, TriVerity, saying they trying to collect a debt for XXXX XXXX XXXXXXXX XXXX XXXX. I have XXXX XXXX XXXX and when I call about this, they said it was probably a scam and to ignore it. I did until they call me and sent some more paperwork from TriVerity again. I recalled XXXX to tell them again and they told me to call XXXX XXXX XXXX XXXX to get records they supposed to have on me, but they refuse saying there are not allowed to give out the information. 
I am in the process now of taking steps to get them to leave me along and get this off my credit and see what else is being done in my name. 
The account on the paperwork from TriVerity is Reference XXXX, account # XXXX
Product: Debt collection

I had a workplace accident on XX/XX/2019. I dislocated my shoulder. Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX  ( XXXX, Claim XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the Eastside XXXX  TWICE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with XXXX XXXX XXXX / collections at XXXX XXXX XXXX # XXXX, XXXX  XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX  's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.
Product: Debt collection

Today, I received notification from XXXX XXXX that a company named Genesis Credit Management added a collection to my file between XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  resulting in XXXX points to my credit score. The notice states the original creditor was " XXXX XXXX XXXX at XXXX. '' This is the first and only notice I have ever received in my name regarding this matter. My husband has disputed the debt ( from notices that came directly to him ) since approximately XXXX. It seems Genesis emailed him in or about XX/XX/XXXX and my husband disputed the debt. Genesis appears to ignored the dispute, provided no verification of the debt, then began calling my husband 's personal cell phone. My husband filed a complaint with this agency and has not received any update yet. Since XXXX I have never received any notices, mailings, phone calls, etc., regarding this debt. Genesis has never communicated with me nor provided me an opportunity to dispute the debt prior to adding the collection account to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company XXXX XXXX XXXX XXXX but they are closed. My loan was transferred to XXXX and my credit report shows the same amount for XXXX XXXX XXXX  and XXXX as if I own both loan services. I have also received a letter stating that my loan has been forgiven.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a new vehicle. Looking at my most recent credit reports, there are about 10 inquiries showing on my report. I have come to find out that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want the inquiries listed below deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these inquiries from my credit reports as they are negatively affecting my credit score. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX  continue to report fraudulent and erroneous information. this is in violation of the FCRA.
Product: Debt collection

accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose