23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 I contacted Freedom Mortage and spoke with a gentleman named XXXX. I mentioned i wanted to learn more about my options for a home equity line of credit. I wanted to look at my options for consolidating my debts and fixing up my home. XXXX stated that he first needed to get some info to understand my debts and reasons to borrow. He said he would be looking over all of my options to work out some numbers and get back to me. When he called back later that day.he explained the proposed numbers ( before emialing them to me ) and told me to write these down. his focus of the conversation was about the apr, which of my creditors are getting paid off, and my savings per month. the terms i understood in asking specific questions were : im borrowing approximately XXXX at a 30year fixed rate of 7 % -my credit cards, personal loan and car loan are getting paid off and it would save me some money each month. there was no discussion about paying off my existing mortgage loan..just my other debts. XXXX then asked how that sounded and offered to email the paperwork. I told him i was confused about how the payments would work for this HELOC. I mentioned seeing the FHA info the the loan numbers looked different. so I asked if the XXXX I'm borrowing this will have its own loan info. ( again I'm trying to finance XXXX based on my homes equity ) He tells me its grouped together so I can make one payment to the same place under one number. he then says I can always pay it off early or pay more per month if I want with no issues. he then takes me through all check boxes that need to be filled out and then sets up my payment for the appraisal. I get a call on XX/XX/2022 from a nice lady with freedom mortgage ( I forgot her name I'm sorry ) and she said she wanted to discuss my next steps in the process and asked to recap my terms. She then advised me that my total loan is being REFINANCED a 30 year term and my current mortgage will be paid off in addition to my other debts. I thanked her for clarifying but told her i wont be moving forward with this. my entire conversation with the last gentleman was not clear I thought we had been speaking about a HELOC this entire time. I asked her how to start a HELOC and she said freedom mortgage does not offer HELOCs and she can not advise me on those products. she then offered me a generic website I can use to look for companies that do. she was polite and apologized about my experience. I asked her if she could have XXXX call me.. i feel he could have said told me this up front just like she did when i asked. She said she can ask him to call but not sure he will. I feel extremely mislead by his unfair sales practices. Had I been clearly advised their company doesn NOT offer Home equity Lines of credit there would be no confusion. not sure if this was intentional but thats definitely an unfair credit practice. I asked him to go over my options for a specific mortgage product and was handed something different. I imagine Freedom mortgage has better standards for service.
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 practice. Which violate the Consumer Financial Protection Act ( CFPA ). Cash App has failed to take action and effective measures. My account has been hacked many times and money has been taken from me. Due to my account being vulnerable and unprotected. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit card or prepaid card

We where offered {$45.00} statment credit if we set up three bill payments. Only received 1 {$15.00} credit for XXXX. Called customer service XXXX and was told to wait a business cycle. During that time filed a verbal complaint. On XXXX called and filed 2x complaint about missing reoccurring bill payments. Completed multiple XXXX cell reoccuing payments and set up XXXX car insurance in reoccurring biannual payments. Customer service XXXX refused to give me complaint numbers.
Product: Checking or savings account

On XXXX XXXX 2017 there were two unauthorized withdraws of {$500.00} out of my account. Chase sent me a text asking me if I just made a withdraw of that amount, I immediately replied " no ''. I filed a claim with with them, and They later closed the debit card and issued me a new one. Meanwhile I gave them all the documents proving that I was at work that day in XXXX XXXX XXXX while the transaction occurred in Virginia. Two weeks later they credited my account for the total that was stolen only to reverse it two weeks later saying that the transaction was authorized.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

From XXXX multiple unauthorized charges to my account from a merchant I had done business with prior to these unauthorized charges. Citizens bank absoloutley ignored me and refuses to provide me with any/all documents or documentation as to why they are not protecting my money in my account with them. I did NOT authorize the questioned transactions and my account is now in the negative due to their refusal to reimburse my money to my account!!! I also had a {$190.00} XXXX charge to my account this month and still have not been provided any proof as to who made these transactions, whether my debit card was present and/or whether my PIN was used or not. They have completely ignored me and have dismissed my CFPB complaints. I highly suggest anybody with money in a citizens bank account REMOVE your money as they will not and DO NOT protect their customers!!! I am demanding my money be reimbursed or some type of visible proof as to why they are not giving me my money back. I DID NOT AUTHORIZE ANY OF THE TRANSACTIONS FROM XXXX AND DEMAND THIS BE CORRECTED IMMEDIATELY I AM PROTECTED UNDER REGULATION E BY THE FEDERAL GOVERNMENT!!!
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : DISCOVER BANK Account Number : XXXX Account Type : Revolving or Option Account Status : Closed Monthly Payment : Date Opened : XX/XX/2013 Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX account # XXXX, XXXX Government account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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

We were approved for a new roof & other home repairs by our insurance company. Due to the amount of the claim, the initial check had to be payable to us, the homeowners & Freedom Mortgage. When I contacted Freedom to make them aware of the claim, they provided incorrect information about the process and procedure. Now, for the past month we have submitted every required document to them ( including our endorsed check from insurance ), yet they will NOT release funds for us to pay our contractor to even schedule us or begin the work. They are holding our insurance funds hostage! We have provided them with our contract three times, the contractor 's W9, a waiver of lien, their license, as well as the insurance adjuster 's worksheet indicating all approved repairs. They are indicating that they will not release any funds until we ( the homeowners ) write them a letter accepting financial responsibility for the repairs above & beyond the amount of the check ... the insurance company is intentionally holding back {$5000.00} for residual depreciation ( which we are approved for ) to make sure the contractor completes the work as prescribed. Yet, Freedom refuses to understand basic insurance laws. We are in Florida in the middle of hurricane season & they have already delayed our repair by more than a month. At this point, they are unwilling to release any funds so we can not even schedule the repairs. They are demanding this letter from us, even though they admit that this is not a requirement per their documents or website.

Additionally, they claim IF/WHEN they release funds, they want to issue the entire amount payable to us and the contractor, yet I do not want to give a contractor thousands of dollars without them having even started the work! Freedom Mortgage is absolutely ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from XXXX XXXX XXXX a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, XXXX XXXX XXXX reported multiple late payments to the credit bureaus, which had a negative impact on my credit score. 

Furthermore, even after I had paid off the entire loan, XXXX XXXX XXXX did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future. 

I have attempted to rectify this situation by contacting XXXX XXXX XXXX XXXX XXXX, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that XXXX XXXX XXXX ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting inquires to my credit that has not been authorized by myself, someone has illegally obtained my personal information and using to attempt to gain credit these inquires while in the process of doing so are not by me nor authorized They are causing me a financial hardship as they are negatively affecting my credit. the following from Equifax are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) ( Bureau ) 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2019 XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a copy of current credit report and show inquires listed I have not authorized to apply of credit please delete inquires listed below off my credit report. 

Creditor Name : Inquiry Date : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ;XX/XX/XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX Original Creditor : XXXX ELECTRIC- XXXX ) XXXX Balance XXXX XXXX {$2300.00}. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In early 2024, I discovered an entry on my credit report indicating a debt related to child support services. Surprised by this entry, as I had not been informed of any outstanding issues or debts by the Child Support Services of California, I immediately reached out to them for clarification. 

On XX/XX/2024, I contacted the Child Support Services of California to inquire if they had released any of my personal information to third parties, particularly to credit reporting agencies. The response from the agency, received on XX/XX/2024, was that they had not authorized the release of my personal information to any external entities. This raised serious concerns regarding the source and authorization of the data reported on my credit report. 

Following this, I reviewed my credit report details and noted that the entry regarding the child support debt was reported in XX/XX/2024, without any prior notification to me by th

e Child Support Services or the credit reporting agency. No specific amounts were disclosed in the initial report, and no prior communication had been made by the Child Support Services regarding any debt or the potential for reporting such information to credit bureaus.

I took immediate action by filing a dispute with the credit reporting agency regarding the unauthorized entry on my credit report. As of the date of this complaint, I have not received a satisfactory resolution or explanation from either the Child Support Services of California or the credit reporting agency regarding the origin of this debt report, the authorization behind its reporting, or any steps being taken to rectify the unauthorized disclosure and reporting of my personal information.

This situation has not only caused me unwarranted stress but has also potentially impacted my credit score and financial standing based on information that appears to have been reported without proper authorization or legal basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, XXXX, Equifax and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

My Mother had an account with American Express and she passed away in XXXX XXXX As executor of the estate I contacted AMEX to inform them of this fact. I was told initially that I did not have to take over the account and was not responsible for it, which I know is the law ; however I inquired as to certain facts if indeed I did take it over. 
There were two areas of concern to me taking over the account. One was the fact that from the financial crisis of XXXX I lost my XXXX  and home as millions of Americans did, and had to declare a personal bankruptcy, including an AMEX account of my own. My second concern was the fact my Mothers credit limit was low. Since XX/XX/XXXXI have rebuilt my credit very high and am making significant income. I asked the agent if this credit limit could be increased and she told me I could ask for that after the account is moved over to me. I travel some with my work and want to use AMEX for travel purposes, and a low limit is not practical for me. I earn a significant 6 digit income annually. 
So I agreed and took over the account. It was approved and transferred to me and I was now responsible for the debt, which I had no problem with. Obviously AMEX wants someone to take it over so they do indeed get paid as my Mother had no assets and AMEX would have had to write this off. 
AMEX approved me to take over the account right while I was on the phone, I asked for the credit line increase and was told NO, you have a previous issue with AMEX and our policy is not to do anything. SO HOW IS IT they approve me for the account, contrary to their policy, so THEY GET PAID, but deny me for a line increase. If I was good enough to go on the hook for the account and I earn multiple hundreds of thousands of dollars a year and a score over 750, what is the issue. Other than bait and switch on AMEX '' s part to get this account PAID. It was unethical, disingenuous and perhaps illegal. 
I have gone round and round with them on this to no avail. I think this bears investigation and action. if I am good enough to assume the debt with my income and score, I should be for line increase also. What is their criteria ( Score and Income ) for line increases? Is that policy consistent with what happened here???
Product: Mortgage

On Monday XX/XX/XXXX at XXXX am XXXX  I spoke on the phone with XXXX ( agent # XXXX ) at BSI Financial Services. XXXX informed me that the {$81.00} that I was made to pay on XX/XX/XXXX without any form of written statement with the only explanation being The lender wants us to collect {$81.00} was a mistake and my online account that has been displaying a past due status would be made current. XXXX explained that this would happen within 2-3 days without any adverse action taken toward my credit or property. It is now XX/XX/XXXX and my online account is still past due.
Product: Credit reporting or other personal consumer reports

Disputed to no avail. No response. No resolve. 
THIS IS NOT A DUPLICATE! PLEASE REFER TO THIS ONE!