23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

According to previous Account Manager if the subject property appraised value lower than {$300000.00} with existing outstanding balance of {$210000.00} and Borrower has existing reported income of $ {$3800.00} ( which includes the legally received ongoing child support that Borrower has a right to use for loan modification calculation ), both the subject property and Borrower, XXXX XXXX XXXX, would qualified for a loan modification according to Investor 's guidelines for the subject property. 
Bayview Loan Servicing Interior Appraisal completed on XX/XX/2018 confirmed that the subject property value is {$260000.00}. My Lawyer also provided the Child Support Legal Agreement in addition to submitted monthly the Bank Statements with ongoing circled proof of the child support. 
On the XX/XX/2018 we got the denial from Bayview Loan Servicing and clearly notified by XXXX XXXX that Bayview loan servicing is not going to use the Interior Appraisal value of {$260000.00} and not going to use the child support legal agreement in support of ongoing income and just simply would deny a loan modification due to the equity in the house. 

* Following conversation with XXXX XXXX she advised that underwriter did not use for calculation the Present Outstanding Balance of {$210000.00} ( please be advise that this balance is without accumulated fees ( see mortgage statement from XX/XX/2018 ) ) instead underwriter used Unpaid Principal Balance Before Modification of {$150000.00} ( see page 4 out of 5 of NPV test, Input field # 13 ). XXXX XXXX was not able to explain what Bayview Loan Servicing is going to do with the difference of {$65000.00} ( {$210000.00} - {$150000.00} ) and why it is not considered a part of the existing balance for calculations?
Product: Credit reporting or other personal consumer reports

Why you're reporting incorrect? I always pay on time. Please delete the late payment status in this accounts. It is wrong reporting your violating my right as a consumer. I tried to fixed it so many times. Please update this accounts XXXX XXXX  XXXX. XXXX, XXXX {$8200.00} XXXX - XXXX XXXX XXXX XXXX, XXXX {$34000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i had some funds go in one of my clinits account and it went to a closed account So her bank retuned the funds and the claim chase bank, claims they cant find it.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Upon reviewing my credit reports I found a surmount of inquiries on my credit report in which I did not authorize.

I have many inquiries.

Likewise, all these inquiries are an infringement on my credit reputation. Trying to obtain new credit with these unauthorized inquiries led to embarrassment and a blemish on my credibility and I was denied credit.

Please correct this - according to the In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A.

Which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 crimes which antedates the report by more than seven years
Product: Credit reporting or other personal consumer reports

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

Discover bank contacted my employer about garnishing my wages. And gave them documents about a court case I was not informed of. On the papers it has an address I do not live in. Also I was never contacted about this debt or a court case directly.
Product: Credit card or prepaid card

XX/XX/2023 : Speaking to XXXX XXXX XXXX in solutions @ XXXX informed me that XXXX XXXX his supervisor ( XXXX ) XXXX XXXX Transferred the call to XXXX XXXX XXXX, I utilized my debit card payment option to pay the full balance {$820.00} on TG Visa card @ XXXX. Confirmation # XXXX, She informed me that I would have to wait XXXX  days to receive a receipt that the account was paid in full. I also informed her that I was in the process of purchasing a property and simple needed an email confirmation of the payment/receipt which I have yet to receive anything after confirming my email address and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX  Account Numbers : XXXX. 
XXXX XXXX XXXX XXXX Account number : XXXX. 
XXXXXXXX XXXX XXXXI Account number : 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 2 : 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: Credit card

I am facing financial difficulties due to a lack of work and contacted Concora Credit, which manages XXXX of my credit XXXX and XXXX apply for their hardship program. However, I was surprised to learn that they would need to close my accounts if I opted for this program, which seems unusual since other credit card companies do not have such stringent requirements. I was hoping to reduce my monthly payments and interest rates without incurring late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that Equifax, XXXX, and XXXX cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.
Product: Money transfer, virtual currency, or money service

My complaint is against Cash App or Block , Inc for having a non existent customer service.Their practices violate the Consumer Financial Protection Act. Block inc or cash app failed to take timely and effective measures to prevent and address fraud on and using their platform, leaving my account vulnerable and unprotected, causing me to loose money.Their dispute resolution process is non existent, deceptive and unfair as they didnt comply with the error resolution process and requirements of the Electronic fund transfer act. These actions have caused confusion, upset, financial losses and i finally want and need a solution along with appropriate compensation for my loss and for these violations
Product: Credit card or prepaid card

Hi, I have a problem with XXXX XXXX XXXX XXXX.  Unfortunately, I do not know the exact dates of the incident but here 's what happened : I had American Express gold card for years and used it until I realized that I'm paying {$180.00} annual fee, which for me and what I was using a credit card was too much so I decided to cancel that card but their representative, after several offers, finally offered to waive annual fee. I accepted and continued to use that card until I realized that after few months they still charged me {$180.00} annual fee. I called, they said that fee will be removed but never did. After several calls, their supervisor explained me that because I used their membership reward program ( I got {$20.00} GAP gift card ) I must pay annual fee. They never told me about that and if they did I will definitely denied the offer and cancel the account like I wanted too. I payed for all of my purchases and fees excluding {$180.00} annual fee and called AMEX and asked to cancel my card but they never did and although I did not used the card, charged for late fees etc. pumping that account to over {$400.00}. They also send debt information to credit report companies resulting in my credit score decreasing. Now they sending me offers to settle for 60 % of my " debt '' - {$240.00}. I tried stating my case to American Express customer service but without any understanding from their side. 
If you can help me on this matter, I would appreciate it. 
Thank you, XXXX XXXX
Product: Debt collection

This company took over an account that was paid off 3 times, In XXXX of XXXX I received a letter from the US DEPT OF HOUSING Account number # XXXX stating that I had 30 days to reply to a collection claim that can in, so I called seventh times and said to a XXXX XXXX XXXX from US Dept of Housing. I send emails to her showing that XXXX XXXX was paid 3 in XXXX & XXXX. And the 3rd week of XX/XX/XXXX US Dept of Housing took {$2400.00} from my income tax and they send me a letter stating that the debt is paid in full. Then they are reporting ok my credit report that I am in collections as of XX/XX/XXXX. I have been asking Experian to fix this on my credit and they have been giving me a hard to either fixed the payment history or selecting this item from my credit report.
Product: Debt collection

We have an account with Citibank World Mastercard that went 7 days past due for the amount of {$38.00}. This account has never been past due and we didn't realize the original payment was a little short. A simple reminder would have sufficed and we would have promptly made up the difference. Instead, Citibank has contacted us via phone at least 6 times in the past three days ( we think more where there wasn't a message left ). While we are only {$38.00} past due, their message misleadingly indicates we must pay {$420.00} as it's the balance due ( which the actual due date for the additional amount over {$38.00} is XX/XX/19 ). We contacted them twice and I also answered the phone one additional time letting them know we had made a payment and we had also transferred a payment via reward points to them which would more than cover the amount past due. This morning within 5 minutes of me hanging up the phone with them, they called AGAIN! I asked for a supervisor and advised about the payments on the way and that they were harassing us with all of the calls and threatening, misleading messages. They claimed they notated the account so the calls would stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 5 months, I have been attempting to correct an error on my TransUnion Credit Report. There is a XXXX XXXX Bankruptcy dated XX/XX/2019 in my file. This is not my Public Record and it needs to be removed immediately. Furthermore, it is hindering me from being approved for a mortgage. I have contacted TransUnion several times by certified mail and phone calls in attempts to resolve this matter. They claim that they investigated it and verified it with the US Bankruptcy Courts. I contacted the US Bankruptcy Courts myself and was told that they do not verify such information at all which makes proves TransUnion did not verify this public record. The US Bankruptcy Courts sent me out a letter as well explaining and supporting my claim. The XXXX XXXX Bankruptcy is not mine and must be removed alongside of it not being verified as my account. You must prove beyond a reasonable doubt that this is my account and the US Bankruptcy Courts says that it did not verify it but several representatives have said it is verified. This is incorrect information and TransUnion is at fault.
Product: Mortgage

XXXX XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( XXXX ) and contacted my agent to find out what 's going on. Agent reported that Chase ( servicer ) had paid wrong XXXX insur co ( believed to be XXXX ). I then learned Chase had forced placed ins with a 3rd ins co ( XXXX ). 
XXXX XXXX, Chase Escrow StatemenXXXX XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for XXXX XXXX for {$1600.00} each. Chase increased my monthly payment to account for the escrow shortage. A copy will be uploaded. 
XXXX, XXXX, despite frequent multiple requests to Chase to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to Chase 's actions, Chase never provided the requested information nor corrected the snowballing fees and overcharges directly related to Chase 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to XXXX XXXX XXXX XXXX 
XXXX XXXX, after receiving initial account information from XXXX, XXXX, and seeing that Chase had never corrected their errors and the fallout from those errors, including payment by Seterus to Chase of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to XXXX explaining the Chase escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to XXXX to obtain the appropriate Escrow Reconciliation Report from Chase, to this day XXXX never did. This is in addition to the multiple requests to Chase. 
XXXX XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail XXXX, after learning from one of the putative specialists at XXXX that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. 
XXXX XXXX, after being paid a visit by an agent for XXXX in violation of my written requests, I mailed a Supplemental Request to XXXX. A copy will be uploaded. 
XXXX XXXX, continued efforts to follow up with XXXX to resolve. Made what I considered the correct monthly payments until locked out of the XXXX web site. In XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with XXXX attorneys. XXXX XXXX, participated in a conference call set up by a XXXX attorney including atty, me, and a XXXX XXXX who promised to get to the bottom of Chase escrow account issues in order to assist in the resolution of pending issues between me and XXXX in order to avoid foreclosure. I never heard back from XXXX rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XXXX XXXX, XXXX week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.
Product: Credit reporting or other personal consumer reports

Experian has repeatedly violated my FCRA consumer rights on various levels. This company has refused to validate a fraudulent account. XXXX XXXX was opened fraudulent without my consent or acknowledgement. Experian has this account reporting under an address I never resided at. I recently went in a XXXX XXXX XXXX to get copies of this loan in my name and noticed the address Experian is claiming to verify is not the address associated with the loan. This also shows this was fraudulent the address on the loan is a address I never resided at and the address that's currently reporting on is a po box I never resided at as well. Ive repeatedly ask Experian to verify this debt. Experian has constantly lied and failed to do there due diligence. Due to Experian negligence this has cause serious hardship and defamation of character. Attached are copies of police report, FTC report, loan from XXXXXXXX XXXX, also a letter showing this debt was sold! Experian has failed me a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered that XXXX XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX XXXX remove this from my report immediately.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have reach out to the reporting Agencey Equifax both my phone and Mail asking for them to mail me my complete file and to also investigate inaccurate information reporting on my credit report. I'm yet to receive any response rather than stall tactics, saying they can not. verify my information! even with me sending them my ss card and other proof that its me.am asking CFPB to help with me being able to accesses my Consumer File. i will attach the letter i have mail. to them telling them to update the outdated information they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by credit karma that I was pre-approved for a loan in XXXX, 2022 with 90 % approval odds and was subsequently denied with a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have not and will not add my proper address after I've sent the required information via mail ; therefore, causing my credit score to not be available for the past year. This error has prevented me from optioning credit to get through the global pandemic.
Product: Debt collection

XXXX XXXX XXXX. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED OVER AND OVER AGAIN THAT THIS NEGATVE INFORMATION BE REMOVED. I HAVE ABSOLUTELY NO KNOWLEDGE OF THIS NEGATIVE ACCOUNT, AND THE INQUIRY THAT WAS PLACED DUE TO THIS NEGATIVE ACCOUNT. I HAVE FILED ANOTHER POLICE REPORT ON MY BEHALF DUE TO THIS INFORMATION THAT IS BEING NEGATIVELY REPORTED AND HINDERING MY FUTURE. THIS HAS RESULTED IN A CREDIT INQURY AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the fraudulent items listed here in my complaint are still reporting on my credit report in violation of Federal Law. Credit bureuas failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the following items right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Product: Vehicle loan or lease

We took off extra warranty.They XX/XX/XXXXtruck only cost XXXX dollars.After financing it went up to XXXX dollars.