23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request to Cease Reporting of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding a matter involving inaccurate credit reporting by XXXX XXXXXX/XX/XXXX XXXX XXXX. I have provided evidence that the company is currently in default, and my case against them is in active litigation under case number XXXX. I have included all relevant documentation to support my claim, which you may review by referencing the provided case number. 
Despite my efforts to resolve this matter by sending notices and invoices toXXXX XXXXXX/XX/XXXX XXXX XXXX, they continue to report inaccurate information to the credit bureaus. Additionally, there is inconsistency in how the three major credit bureausXX/XX/XXXX, XXXX, and TransUnionare reporting this information, further complicating the situation. 
According to the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681c and 1681s-2, creditors are obligated to report accurate information and to promptly correct any inaccuracies. By continuing to report inaccurate information and failing to investigate the evidence I have provided, [ Company Name ] is in violation of these provisions.

Given the discrepancies in reporting and the ongoing litigation, I am requesting the removal of all late payments associated with this account from my credit reports. If this issue is not promptly resolved, I will be compelled to pursue further legal action to protect my rights and ensure compliance with the FCRA.

I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit score and it had a hard inquiry from Bank of America which it is effectively tampering with my score when I called to let the know what was going on they let me know like I knew I didnt have an account with them I have never contacted with them for any reason with that being said 15 USC 1681 the accuracy and fairness of credit reporting the information on my report is not accurate nor fair please removed the inquiry off my report as soon as possible or my next step will be to take legal action and file suite .
Product: Mortgage

I was taking care of my grandpa, and I was paying on the mortgage with XXXX XXXX, well the last 3 months I had to stay with him, as he was XXXX, he then XXXX, and then XXXX XXXX switch the mortgage to XXXX, they sent a statement out and I contacted XXXX  to let them know I was the one paying on the mortgage, so I asked them what amount and such can I pay, they said they won't take my payments, so I let it go for a week or 3, and I contacted them again ask said I need to pay, they still said they won't take the payments, so not knowing what to do or what they would do I left it alone for XXXX XXXXt, then they send a foreclosure papers, well then I searched for an attorney, I found one but all he did is take my money and did nothing, so I had finally found another, and that didn't work out as they were agreeing to things without asking me or talking to me about it and I've already filed against attorney now it's your turn I offered to pay and in my grandpa 's will said he wanted me to continue living on the property of XXXX XXXX XXXX XXXX XXXX XXXX both XXXX and attorney said I have no rights, I trusted and trusting gets me out of XXXX XXXX now I have less then two weeks before I'm homeless and a XXXX dollars isn't enough to get me new pkace and I talked to attorney general and another person and they said mortgage companies don't care where the money comes from as long as they get there money both XXXX and attorney screwed me royally so I'm suing XXXX   because it should have not gone this way they never even asked me how much I was going to pay or anything but now that it was in foreclosure and it's XXXX XXXX now I can pay what's that's that's wrong and they sold the house before the reception period was up so I will see them in court
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 practices, which violates 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 accountable vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Funds Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Mortgage

My job closed for a week, which caused a significant loss in wages. I applied for a loan modification XXXX/JXX/XX/2019 with Bank of America. I submitted all documents that was written on the modification application. I was quickly denied due to not able to verify my assets or source of funds, but I qualified for a short sale. I did not understand why I was denied and I desperately want to keep my home, so I called my representative. I've been assigned several representatives in which no one has been able to consistently answer or explain my denial. The first application and denial, I requested a re-eval with an explanation of not being able to verify my assets or funds. After this request, I was not able to reach my representative anymore and was tossed around by any representative who answered the phone. I had to explain my situation over and over again, which became frustrating. I was getting further behind in my mortgage with no help. I was still sending in some money. I soon re-applied. Shortly after re-applying, I was denied for the same reason, not able to verify my assets or source of income. My assigned representative was now XXXX XXXX. I tried to explain to her my unexplained issues from the first representative, but she didn't seem concerned as well. I even spoke to someone on the underwriter team. Eventually, I kept searching for help because I am a first time homeowner and single parent and desperately trying to keep my home with outstanding arrears. I found XXXX and received help from them. I had to re-apply. After reapplying, and going through XXXX, I was denied once again for the same reason, unable to verify my assets or source of income. I have a new representative with Bank of America ( XXXX XXXX ) and I have called numerous of times and left several messages with my new representative. I have submitted ever document they've asked for. I have not received any answers. I DO NOT WANT TO LOOSE MY HOME. Please help me!
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX I sent Global Lending Services a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( GLOBAL LENDING SERVICES ) Making the report is NOT INCLUDED on my Consumer report!

Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
Product: Bank account or service

Someone within Navy Federal Credit Union has been allowing unauthorized individuals to access my personal accounts. These persons have no judgments or liens but persisted to access my account within their security department. This has harmed my credit worthiness and it also almost put a strain on my finances as the individuals in the " back office '' as they call it were pretending to be my account manager and disabling my accounts, manipulating transactions so they take out funds too soon, or not soon enough. Sometimes even posting transactions days later or posting {$1.00} transactions when it really is a {$40.00} transaction. They even teamed up with XXXX XXXX after XXXX XXXX withdrew {$2000.00} without my consent and without my authorization to my mothers account whom I was n't a signer on and neither was she a signer on my accounts. This caused a huge banking error that took two months to clear up at which time the funds were finally placed in the Navy Federal account. Navy Federal has never been as traditional banks and do these types of deceptive business banking practices which leads me to believe that their security team has been breached and my credit and account information was being compromised. They refused to allow me to place funds in my account via mobile banking when it was very imperative that I deposit these funds. They allowed a fraudulent garnishment to be placed on my account for a year before the company requested them to remove it. Navy Federal has failed to be an adequate bank as I have had the account since 2002. This bank seems predatory and unfair in their business practices. I requested the name of the person who claimed to be " my account manager '' as they put it, and placed a permanent no mobile deposit on this account, all because of XXXX error. This bank allowed security breaches and at times I felt I was speaking to people who had criminal records. They mysteriously claimed to check my credit and no judgement was there yet a garnishment mysteriously showed up on my account at which time as stated before it was removed. They claimed also that I had a money market account that charged off with a XXXX balance and for no reason. I believe they were doing what XXXX XXXX was doing and XXXX XXXX. Conducting fraudulence while not letting me utilize my account.
Product: Credit card or prepaid card

I have a Bank of America credit card. Somehow I was under the impression my card due date is on the 20th of each month. At least that 's what they told me when they opened the card. 

Everything started on XXXX/XXXX/XXXX. I am checking my account balances every day, and 1st time in the history of being BofA customer saw the Reminder that my account is overdue ( attached ). 

I had some accumulated cash rewards and decided to transfer them towards the statement credit on XXXX/XXXX/XXXX. After noticing {$38.00} late charge, I contacted BofA to find out why they charge me a late fee. Customer service associate told me that I was making my payments late every month. I got a surprise and told her that I was under the impression that my payment was due on the 20th of each month and all my payments were paid between 16 to 19 of the month. I did n't pay attention to the billing statement because I never received any notifications whatsoever ( mobile app, email, text, etc. ) I asked to speak to the supervisor and was under the impression that he will able to wave the late fee. The person name was XXXX from XXXX ( ID XXXX ). He was very rude and disrespectful and did n't ever let me speak and explain him and made fill like I commit a crime. He did not even bother to conduct researches and said that the best he can do is to change the due date. When I told him that my due date was on the 20th and someone probably made a mistake, he just replied that it was a long time ago and there is no way to verify. 

After I hang up the phone, immediately conducted online research, and find out that I am not the only victim of Bank of America late charge scam.
Product: Student loan

Due to the legitimation surrounding the XXXX payment program, I have been placed into forced forbearance " Awaiting Form Administrative Forbearance '', not due to ANY FAULT of my own. During this time, I am not receiving credit towards Public Service Loan Forgiveness, despite continuing to send payments in and work at a qualified institution. 

To try to get out of the XXXX  payment I have applied to change to a different repayment program submitted this form electronically on the federal student aid website on XX/XX/XXXX. I confirmed MOHELA 's receipt of this application on XX/XX/XXXX. Despite typical processing being XXXX business days, I was told 90 business days. 90 business days from XX/XX/XXXX is XX/XX/XXXX. And still my account remains in forced forbearance. In between submission and present day, I have called multiple times requesting an update and have been told it is still in process. Each month that goes by does not count towards PSLF and HARMS me financially. This is a time sensitive issue that needs to be addressed. 

Their communications, which have been sparse and at times confusing, indicate " You may cancel the forbearance at any time to resume immediate repayment. '' This is NOT true. I have asked and pleaded to be taken out of forbearance and denied this.

I simply ask to be placed on the appropriate payment plan so that the time I am serving my community qualifies for Public Service Loan Forgiveness. I do know believe I am asking for something outrageous, but rather that my loan servicer meet their proper obligations.
Product: Vehicle loan or lease

I am going on my 5th or 6th complaint which before I get into this I just wanted to be known up front that this is my official letter to their management letting them know that I will be taking them to court and I will be pursuing monetary winnings along with lawyer fees and court costs. I think it's quite ridiculous that I pay off an entire loan almost XXXX and you want to try to cheat me on the last XXXXXXXX XXXX XXXXXXXX or {$60.00} whatever it is. It's pretty pathetic if I'm honest and petty especially when I'm so sure and when the actual record reflects as such. Same as my bank account same as everything else except for somebody there for whatever reason doesn't want it that way. I actually just paid off my loan last week I owed {$1.00} on it and I paid it off I have yet to receive even an email or message or anything about me getting my title and I actually wrote you guys an email immediately letting you know I paid everything off and I never got a response. I'm going to take this as blatantly ignoring me and what I said and essentially you're just holding my documents hostage. 
Well lucky for me and unlucky for you I just so happened to locate the text message I received when I made that payment that you guys happen to be missing the numbers on.. And the absolutely hilarious thing is the same thing I've said since the absolute day number one that you guys are so arrogantly denying and have so arrogantly closed out as if you knew any better well here you go it's funny that there is a {$1.00} difference between the amount I paid and the amount that was owed This is an open and closed case. Stop messing with my credit stop doing illegal things and give me my title immediately.
Product: Money transfer, virtual currency, or money service

My son had a cash app account. My son passed XX/XX/XXXX. In XXXX, around XX/XX/XXXX, I started chatting with CashApp about my sons death and account. I wanted to know what I needed to do to get funds in his account and close it. CashApp instructed me to send death certificate, his user name/tag, his email address and full legal name. I also was instructed to send an official letter from attorney with court seal appointing me as administrator, my drivers license front/back, as well as a picture of me holding my US issued drivers license. I sent all documents and received confirmation that it was sent. I also sent his phone number he had at the time of his account. I have been in contact with them for over two years, they keep saying my case has been escalated. They gave me a case number and said someone will email me. No one has emailed me or provided next steps to rectify this case and retrieve my sons funds as well as close the case. The desired resolution ; I would like to get the funds in my sons account, XXXX transactions, and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person Experian had no written consent from me to furnish this XXXX XXXX account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that Experian remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Product: Credit reporting or other personal consumer reports

*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXXXXXX XXXX XXXX I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Transunion, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA.

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 
Hide trimmed content Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a large payment, my XXXX payment to my new credit card. My balance was {$2000.00} ( over the limit by {$21.00} ) So I made a payment of {$1000.00} via the app using my checking account info saved on file. The payment was applied to my account, the balance on my credit card reflected the payment, funds were taken from my bank account and cleared. Yet, the company says there is a 14 day hold on the payment and I can't use my card. There is nothing in the XXXX XXXX XXXX about the 14 day hold or how payments are applied
Product: Credit reporting or other personal consumer reports

We leased a XXXX XXXX  in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!
Product: Checking or savings account

I am scheduled for early direct deposit through Capital One Bank and was initially informed on XXXX XXXX  that there was as issue with people receiving their direct deposits. Capital One only sent out information after the issue. My paycheck is typically available every Thursday and my payroll is actually do today ( Friday ). I spoke to a customer service representative on XX/XX/year> and was informed the matter should be resolved today but my hard earned paycheck is still not available to me. I have bills scheduled to come out and literally have no available money to buy food. This act is very inconsiderate to their consumers and shows how we are not important to these big companies. I need my pay check immediately!!!
Product: Payday loan, title loan, or personal loan

I got a loan for {$700.00} 0n XX/XX/2020 and now they want me to pay {$1300.00} back and which I tried to make payment but it got to the point where I could no longer make any more payment. Now they calling me with threatening phone calls stating they have file papers on my at the courthouse. They calling and harassing people that I don't know or associate with.
Product: Debt collection

Central Credit Services, LLC contacted my neighbor about my debt. This neighbor is not a contact person nor reference on my application information. I 'm unsure how they targeted her or why they would try this tactic since it 's illegal. I have no idea how many of my neighbors they have tried this with.