23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received a letter from Bank of America refusing to speak to my husband regarding all details concerning this Mortgage even though I sent a signed certified letter to them on XX/XX/2023 ( Certified Mail - # XXXX ) authorizing this. 

In the most recent letter we received, they claim they never received such authorization. Yet, in the same set of correspondence they acknowledge having received my certified letters. 

Finally, it appears Bank of America, in response to valid complaints, is committed to saying " we have nothing to substantiate your claims '' which to a lay ( non attorney ) person means -- " We are not going to seriously look at your complaint, so sue us ''. We don't believe you have the resources/deep pockets to pursue a lawsuit where facts can be discovered to prove the truth of what you claim even though we know exactly what is taking place. We'll take your money, but we can care less about you. '' Sadly, this appears to be true. I maintain hope that something can and will be done.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ), and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud or scam involving negotiating the correct amount of credit card balances as est. settlement amount while showing the highest amount of balance seen at one point before credits in general applied and credits for creditors errors applied as the estimated creditor balances. Concern is that my privacy was invaded enough for a third party to identify the discrepancy while the creditors include the checking and savings account company do not resolve the ongoing issues complained of on the account. As explained, such errors arose through blatant criminal activities as reported, including burglarizing the home to remove record keeping to not produce receipts to display the date that the credit should have continued to be displayed on, just not at the moment it was received and cleared, and then removed from view once the records were stolen during home invasions. There arent savings for using the service. A lower price is not negotiated. This is akin to someone like an internal manager reversing a credit after illegally robbing a house and saying the customer processed this return a month ago when the customer said that this shampoo was defective because it had XXXX in it or this bottle incorrectly stated that it was only for XXXX hair when it was constantly used in the past by all types of hair and advertising has not displayed such and such shampoo causes hyperpigmentation and curling within one wash with recommended palm size application and such was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, Transunion, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

This loan was obtained in 2017 and due to being laid off in XX/XX/2017 the loan was eventually defaulted. My bank account at the time was extremely negative and the bank closed the account. At some point, I did try the payment arrangement thing but couldn't quite keep up, as I was working off {$130.00} a week in unemployment from XX/XX/2017 - XX/XX/2017. Once I returned to work in XXXX, I tried again with payment arrangements but my bills were so far behind, again I couldn't not keep the arrangement. Since then, the account has been sold to XXXX XXXX, they have been reaching out to me by email but I'm Leary as I have no idea if they are legit to collect any monies from me. XXXX is saying I still owe {$630.00} and the initial amount borrowed was {$600.00}. I'm confused how the balance is still high and they received many payments from my account before the bank closed me out. I would like this balance wiped clean as they have been paid back and some interest payments. I am willing to NEVER borrow from these people again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Incorrect Information Reported by Credit Bureau : Experian I am writing to file a new complaint against Experian for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by Experian and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, Experian as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/2020 XXXX XXXX XXXX-Date of inquiry:XXXX
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am writing to dispute the persistent presence of fraudulent accounts on my credit report, despite confirmation from the banks over the phone of the validity of the provided documents and their commitment to remove the accounts. These fraudulent accounts must be promptly removed in compliance with the law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there are inaccurate accounts. I have no idea why they are reporting on my credit report even though I did not authorize those accounts
Product: Mortgage

my mortgage co. is..freedom mortgage... i took a forebarance on my house for a year..i started paying on my house again afterwards..i never missed a payment befor or after the forbarance..i got my forbarance papers the first week of XXXX XXXX.they came with my ex wife name on them..i called freedom mortgage the same day to explain the papers were wrong..i was told they would redo them... i called every other week for months to see where they were..and then..early XXXX.im told they need the deed... i called my lawyer and he sent the deed to me and freedom mortgage..i also sent them... i called twice a month or more to get a update... then im told by freedom mortgage several times its not the right deed ... so in XXXX me and my lawyer have a 3way call with freedom mortgage... they finally agree the deed was correct..since then still nothing..they also tagged my credit as 180 days late ... my understanding is thats illegal to do that when im in forebarance or loss mitagation which i still am..i also recieved no less than 4 foreclosure notices on my house..freedom mortgage has told me not to worry about them..they even told me that on the 3way call with my lawyer..i feel that my rights have been violated and want this corrected immediatly..i still donot have my forebarance papers 10 months later..
Product: Credit card or prepaid card

Please note : I'm making 2 complaints, one against Chase and one against Marriott as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase Marriott XXXX  credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} Marriott e-gift card instantly, upon approval from Marriott '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both Marriott and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and Marriott that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.
Product: Checking or savings account

I contact Capital One and the account was closed. I want to be on the record that someone opened a checking account in my name at Capital One without my authorization. I don't know if this was an employee of Capital One or fraudulent activity by someone outside of the bank. I didn't realize that the account was open until Capital One sent me an ATM card.
Product: Checking or savings account

I am filing a complaint with CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronics Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit card or prepaid card

I do a large amount of purchases with my Bank of America credit card : XXXX ( in the name : XXXX XXXX ) for work and personal needs. Unfortunately, a small percent of those purchase i.e. online order or services turn-out to misrepresented by a merchant, " not delivered '' or outright fraud. 

As is typical of Bank of America credit card disputes department is they sit on the dispute and do not begin an investigation. I'm not talking about being weeks or months behind in their legal requirements to investigate and process a dispute, they do nothing and months later I find : 1. ) No credit has been returned to my credit card 2. ) No communication is sent to the cardholder after this initial " We have received your dispute and will update you ... '' 3. ) No credit to my account has been processed ( as is common practice with all major credit card companies under a disputed status ).

4. ) I " sat on hold for 20-43 minutes each time during the first calls '' to initiate the dispute 5. ) I already discussed the precise details of the issue and rationale of the dispute for the 3 disputes. I completely answered all questions of the dispute dept representative. 

In the last 2 months I opened disputes with : 1. ) Merchant : XXXX XXXX XXXX transaction date : XX/XX/XXXX amount disputed : {$170.00} 2. ) Merchant : XXXX XXXX XXXX transaction date : XX/XX/XXXX amount disputed : {$170.00} 3. ) XXXX  transaction date : XX/XX/XXXX amount disputed : {$75.00} I followed up with Bank of America XXXXs dispute department 2 times after this including today : 1. ) Again, I had to call back many weeks later to sit on hold for 20 minutes and sometimes up to 1 hour in order to talk to a customer service rep.

2. ) I was told they " still can't process a credit to my account for the amounts in dispute because they haven't started their investigation yet. '' They say that they have, but nothing has been done or started and the matter is still " stuck '' without any movement or processing a credit to my credit card account.

3. ) The merchant has NOT even been 
notified of the dispute as they keep billing me each month for the same thing.

I find the above completely unacceptable and perhaps illegal to fail to process a credit card dispute under the credit card and consumer protection laws.

In XX/XX/XXXX I had a dispute that was never investigated by Bank of America and a credit was never processed nor was there any further communication by Bank of America.

I fully expect the same excuses from the management of the Disputes Dept. When I call I hear all the same excuses, false reassurances that " someone is working on it '' like in XX/XX/XXXX only to find an entire year has passed without any further communication from Bank of America nor a credit to my account for the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request and supporting documentation, these inquiries remain on my Equifax report. Please note that both XXXX and XXXX have conducted their due diligence and promptly removed the disputed inquiries from my credit reports. I am disappointed that Equifax has not taken the same corrective action.
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 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 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 and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased an A/C repair kit from XXXX for {$100.00}. I purchased it and the clerk said the machine wasnt working so we went to the second register where I repurchased it because he said it didnt work the first time. On XX/XX/year> I filed a double charge dispute with navy federal to get this corrected since I did not buy 2 of them. On XX/XX/year> Navy federal put a note on my credit report stating Account information disputed by consumer, meets FCRA requirements. This note immediately destroyed my credit score and years of hard work. My score went down XXXX points all because I was double charged at XXXX. This is unfair to me and impact my family and my life. This is wrong and criminal to punish me for filing a dispute on a double charge that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit XXXX  XXXX # XXXX XXXX XXXXXXXX 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: Mortgage

I have contacted the Loan Servicer Selene Finance numerous times. The company charged me XXXX in error for my mortgage payment. For the last 6 months XX/XX/2021 to Present I have been charged more than I actually owe. I would like a refund for that amount. I had to borrow from family to pay the additional amount so I would not lose my home. I would like and audit of my account showing the following : The amount that was applied to the Principle Balance each month - The amount that was charged/applied as interest each month - The remaining balance after each payment - The amount that Selene " is crediting the account for the difference in the payment amounts for the XX/XX/2021 through XX/XX/2021 installments. '' as stated in Selene 's letter dated XXXX XX/XX/2021 to the XXXX. 

I have requested this information in writing and also via phone call and I have not received the information from Selene Finance. 

I have also been told by a customer service rep. that my loan is being transferred to another servicer. I would like this information before my loan is transferred how do I know if the amount transferred is correct. I have asked to speak to several managers and I have not received a call back.