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

I HAVE BEEN IN XXXX SINCE XX/XX/XXXX. I CAME BACK IN XXXX OF XXXX AND WAS TRYING TO LEASE A VEHICLE. THIS CAR DEALER WHO PULLED MY CREDIT REPORT, NOTIFIED ME THAT THERE ARE SEVERAL COLLECTION ACCOUNTS IN MY CREDIT REPORT AND CAN NOT LEASE ME A VEHICLE. SOME SUSPECT ( S ) USED MY PERSONAL INFORMATION AND OBTAINED CREDIT AND SERVICES UNDER MY NAME WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I HAVE ORDERED MY CREDIT REPORTS FROM 3 CREDIT BUREAUS. I HAVE CONTACTED ALL THESE CREDITORS AND BY THEIR ADVISE I PLACE A FRAUD ALERT ON MY REPORTS AND GOT AN IDENTITY THEFT REPORT AND FORWARDED TO ALL CREDITORS AND CREDIT BUREAUS. ALL THESE CREDITORS AFTER 45 DAYS FORWARDED ME LETTERS THAT THEY ARE CLOSING THESE ACCOUNTS BECAUSE THESE ACCOUNT WERE OPENED UNDER FRAUDULENT ADDRESS AND THESE SUSPECTS USED DIFFERENT PERSONAL INFORMATION THAT WAS NOT BELONG TO ME. LAST MONTH XXXX AND XXXX XXXX CREDIT BUREAUS SENT ME UPDATED CREDIT REPORT AND ALL THESE FRAUDULENT ACCOUNT WERE REMOVED AFTER THEIR INVESTIGATIONS. EQUIFAX CREDIT BUREAU IS REFUSING TO INVESTIGATE AND DELETE THESE ACCOUNTS. I HAVE TRIED TO CONTACT THEY BUT THEY ARE EVEN REFUSING TO INVESTIGATE OR TALK TO ME. I HAVE ALL THE PROOF THAT I HAVE BEEN OUT OF COUNTRY AND ALSO I GOT A POLICE REPORT REGARDING THIS MATTER. PLEASE HELP ME TO RESOLVE THIS MATTER OTHERWISE I HAVE TO OPEN A LAWSUIT AGAINST EQUIFAX CREDIT BUREAU AND I CAN PROOF EVERYTHING IN COURT THAT THEY ARE REALLY EFFECTING ON MY LIFESTYLE BY NOT DOING THEIR JOB. I AM ATTACHING LETTERS FROM SEVERAL CREDITORS THAT THEY FORWARDED TO ME. PLEASE CONTACT EACH CREDITOR AND VERIFY ALL THAT INFORMATION. PLEASE LET ME KNOW IF YOU NEED ANY ADDITIONAL INFORMATION. YOUR HELP IS REALLY APPRECIATED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 opened on XXXXXX/XX/XXXX and a balance of {$6800.00}. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Planet Home Lending ( PHL ) assumed my VA loan around XXXX of XXXX and I set up automatic bank payments to send monthly payments ( amount due {$4400.00}, amount paid {$4500.00}, balance towards principal ). This went without any issue until XX/XX/XXXX, when the escrow amount increased by about {$180.00}, making the total amount due {$4600.00}. 

However, due to lack of proper notification from PHL, my automatic monthly payment remained {$4500.00} and then the following happened... 
A late fee of {$120.00} was applied to the XXXX account because the amount was not paid in full, and because of their " partial payment '' system - XXXX wasn't marked paid in full until they received the XXXX payment, and XXXX wasn't marked paid in full until they received the XXXX payment. Fortunately, I just happened to check my account around this time and then discovered all these late fees and contacted PHL to understand what was happening...

Apparently, if you sign up for PHL 's paperless option - that's all you get. There is zero paper notification if there a change to the regular monthly payment. It's all or nothing. The problem with that system is that e-mail can still get flagged as spam or doesn't make it to the inbox at all. All my experience with any other lender ( especially whoever is servicing my VA Loan ) has been to get notified via XXXX XXXX when a payment due amount has changed ( such as the all-important escrow amount increase due to property tax increase document ). Why this isn't an option or even standard practice is very concerning- especially when it's ( still ) not properly documented anywhere on their site. 

So while their system did automatically credit me the initial late fee, their customer service was steadfast and unwilling to make any further adjustments to the account. I immediately made a {$250.00} payment plus an additional payment of {$4700.00}. Apparently, this was not enough to cover those " late '' fees and now with my regular required payment of {$4600.00}, of which I send {$4600.00} - I still have {$68.00} in late fees to which the balance is being applied. 

I suspect PHL has done and is doing this to many other veterans on a larger scale. They have a system that encourages people to sign up for paperless ( without letting folks know that there is no subsequent mechanism to notify the borrower if there are any changes to the account ), and you have a result with fees and charges that only go to PHL 's bottom line. 

This is my worst experience with any lender over the past 25 years and PHL should not be allowed to continue their practice of servicing VA Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX an old account from XXXX finally dropped off my credit report. In XX/XX/XXXX it reappeared in my collections causing my credit score for all three bureaus to drop a significant amount. I couldnt find the original paper receipt given in person at the time to dispute it, so I paid off the amount so it wouldnt be an issue again. [ screenshot attached ] I made an ONE TIME payment IN FULL [ screenshot attached ]. The XXXX representative at the time of making the payment stated to submit a dispute with each credit bureau using the receipt I requested to have sent to my email as proof as to having it removed from each credit report. It came off with XXXX  and XXXX. I submitted multiple requests to have the account removed through the dispute center on the experian website as well as on the phone with the experian dispute center representative. In result- its still not removed [ screenshot attached ]. 
XX/XX/XXXX I received a notification that my XXXX  score went down a significant amount of points again [ screenshot attached ]. Experian updated that I had a new late payment in the last 60 days for same the XXXX account in collections [ screenshot attached ]. 
I disputed it several times that it was false ; yet Experian failed to remove that error, they only updated it [ screenshot attached ]. 
On Experian it states that I paid off the account instead of paid in full. I dont see how an account in collections that didnt have monthly payments & having proof of it being paid as a ONE TIME, IN FULL payment had generated late payments and causing my score to drop. [ screenshots attached ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, Resurgent Capital Services tracking number # XXXX and XXXX XXXX XXXXXXXX XXXX XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Mortgage

Let me start at the beginning, that works best. 
On XX/XX/18 I received an appraisal of {$71000.00} to buy the property my wife and I own at present. On or about XX/XX/18 we closed on the property and the loan balance at that time was {$63000.00}. 
By XX/XX/18 we had made additional payments on the balance of the mortgage and reduced the balance to {$57000.00}. Also by XX/XX/18 we had put a new shed ( {$5000.00} ) on the property and installed a new laminate wood floor ( {$2000.00} ). The new balance was about 75 % of the appraised value of the property. 
On XX/XX/18 I made a written request and email request to the lender to cancel the PMI for the mortgage because the balance of the mortgage was less than 80 % of the appraised property value. The lender responded that I must have a certified appraisal done in order to have the PMI canceled. The lender also informed me that the new appraisal would be valid for a period of 12 months. When I sent the lender my appraisal it was less then 6 months old, but the lender would not accept my appraisal. On the one hand the lender will not honor my appraisal that is less then 6 months old, but will honor their appraisal for 12 months. 
Since that time I have paid the PMI and made additional payments to the loan balance. To date the balance is about 32 % LTV. When I contact the lender I get the same song about a new appraisal to cancel the PMI. 
We are living in the home and made it comfortable since it is our only property. We are paying taxes on the property and all utilities are connected. 
I feel like the lender is being unreasonable and charging the PMI without regard to the terms of the mortgage. Also they have one standard for the appraisal they would provide and another standard for the appraisal that I provided in order to get the mortgage. 
Your help is requested to have the PMI canceled and a refund made of the premiums from XX/XX/18. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from XXXX about being on collections. Debt Recovery Somutions DRS, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. DRS after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with DRS XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as they are all fraudulently opened by an imposter that has stolen my identity, and Experian refuses to ACKNOWLEDGE such, and will be sued in FEDERAL COURT! I asked Experian to reinvestigate these accounts : XXXX- {$3700.00} XXXX XXXX XXXX {$6700.00} & XXXX {$0.00} . However, Experian stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case. All These accounts are Fraudulent, and I want them ALL DELETED Immediately!!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and 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. The actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

During XXXX I fell behind on my mortgage as a result of getting XXXX and losing both my XXXX and my XXXX during XXXX. I was told I can obtain a forbearance and that my past due payments would be placed on the back of my loan. The lender was informed of my prior modifications, however, they told me I still qualified for the program. Now they are stating that I no longer qualify due to too many modifications.
Product: Prepaid card

Hello CFPB administration, I am on California XXXX XXXX XXXX. The benefit is being deposited to a company called Money Network prepaid debit card. I have been transferring money out to my XXXX XXXX XXXX to pay bills. However, the transfer somehow stopped working, the site said " invalid request ''. I called the company three times ( very long waiting! ) within the last week but they refused to give me a reason and also no remedy provided. The website and the phone information clearly state the transfer feature is available.

Given the above, the company insisted me to go to their ATM to get cash out and then I can re-deposit it back to own checking account. That's a big problem : 1. ) Fraudulently advertised as to the availability transfer feature.

2. ) Their ATM is far and between, practically not available at all. 
3. ) So I was forced to withdraw cash via my bank 's ATM, I was charged {$4.00} by Money Network on each withdrawal. No mention of any ATM charges. 
4. ) Maximum daily allowed $ XXXX {$400.00}. That means I have to go daily for a whole week to get the weekly benefit and will cost {$20.00} in ATM charges a week. 
XXXX. ) I am on XXXX and Money Network forced me to go and get cash which is challenging under my health situation. 
6. ) Bills may not be paid on times which can and will have penalties.

7. ) It seems Money Network is delaying any funds available to consumers so they can use our funds to make money.
Product: Mortgage

Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX 2015. Since then I have had nothing but trouble : I waited until almost XX/XX/XXXX to get any information on my account, they did n't honor my escrow decrease from XXXX XXXX XXXX, their escrow calculation resulted in a large jump in monthly payments which I requested to have spread over XXXX months and the representative never submitted my request. If I was n't so vigilant about my mortgage I could get really screwed.
Product: Mortgage

Dear XXXX, Cant you talk to us directly, at least once to listen our reservation and documented proof we, have. 
Please talk to below mentioned authorized official XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXk, NY XXXX XXXX : XXXX Cell : XXXX Fax : XXXX Email : XXXX. 

You mentioned, we did not requested loan modification, per our record, we requested in XXXX  We have sent proof to MA attorney General office today that we have applied for loan modification but did not get any answer from OCWEN. 

We have emailed you and left voice mail dated : Mon, XX/XX/XXXX, XXXX XXXX  and Tue, XX/XX/XXXX, XXXX XXXX. 

We, just requesting you to talk us. We, however, believe we have a plan that will provide a winning situation for PHH and for the refugees we want to help. We have a benefactor who is interested in providing immediate financial assistance to us with respect to the XXXX XXXX XXXX building and we would like to discuss this opportunity with you after we have an opportunity to review the complete file. 

If PHH can accept the reinstatement, please let us inform, so that we can send you reinstatement in 4 business days. 
Or If PHH agree, we can proceed with pay of the loan, we have friends of XXXX, who have approved financing to go ahead. 
You will receive, formal communication from us by our attorney ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX TEL : XXXX FAX : XXXX EMAIl : XXXX I would request, reply to him or contact him. 

We are in receipt of your letter dated, XX/XX/XXXX, explaining PHHs position regarding the mortgage loan with respect to the property at XXXX XXXX XXXX, XXXX, Massachusetts, and the auction sale of the property. 

In accordance with your offer, contained in your letter, to provide us with documentation related to the loan file, we are hereby requesting that you provide a copy of the entire file to us, including, without limitation, all documents and communications, regardless of form or type, for our review. 

After we have had an opportunity to review the file, we would appreciate your setting up a meeting with us as soon as possible to discuss any issues we have, with the goal of finding a fair and equitable solution for all parties involved. 

We are in receipt of another letter issued dated XXXX XXXX, received XXXX XXXX. Where you mentioned we did not apply for loan modification, however our record shows, we have requested loan modification Please be advised, If PHH proceeds with the sale of the property or any other way alter the title of property, before the providing us the loan file and give us an opportunity to review the documentation and give you documented proof, we have back to you, will be considered violation of the consumer rights and Ocwen agreement signed with MA attorney general office. 

Please be advised that nothing contained herein shall be construed as an admission or as a forfeiture of any rights we may have at law or equity. 


With kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$320.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

I have not used the Cabela 's card since XXXX. 

Transactions on Cabela 's statement which I did not make have not been explained. Instead the account has been sent to multiple collection agencies. Each time I get a notice I call and ask for the details behind the transactions- such as what was purchased, by whom, and where it was sent to, who made the payment and the online credit. This has not been provided. I requested this in writing each time also. 

Transactions include : XXXX. Previous balance XX/XX/XXXX {$47.00} ; Payment XX/XX/XXXX {$47.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$39.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$440.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$84.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$84.00} TOTAL online purchases- {$650.00} XXXX. Cabela 's online credit XX/XX/XXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Consumer Loan

I voluntary sent car back was unable to fix due to defect in all XXXX throwing a rod in motor or metal shavings left in motor for XXXX XXXX-XXXX company refused to fix it and never official did not do a recall. Many XXXX owners are having cars to stop suddenly, locked down or blow up or catch on fire. I consider this to be hazardous and unsafe and negligent on their part
Product: Student loan

I am the cosigner on this loan. Current balance {$10000.00} reported XX/XX/2018. 

AES/XXXX has changed the payment period of this debt with the primary debtor by deferring payment start date for repayment. I declined to agree to the modification. Changing the starting period of the loan payment schedule by several years without my consent is a violation of the loan agreement that I co-signed. 

I ask to be removed as the co-signer on this debt since the contract has been altered without my written agreement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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
Product: Checking or savings account

The XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, apparently closed my account without my knowledge or consent. She made no attempt to contact me by phone or e-mail at any time. Then she mailed a cashiers check to the wrong address. My funds are gone. She has not returned XXXX voicemails I left for her. Her phone : XXXX. Her e-mail : XXXX XXXX