23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A final payment to close my mortgage was made to XXXX  XXXX XXXX ( XXXX ) on XX/XX/XXXX after selling the property. After that date I have kept receiving notices for monthly mortgage payments from BSI Financial Services ( BSI ). 

I received the payoff amount from ( XXXX ) when attempting to pay off the mortgage and was told that amount would be good until XX/XX/XXXX. They then sold the loan to another company, ( BSI ) in the middle of all of this. XXXX sent the payment to BSI. BSI states the payoff department applied the amount to the principal but not toward paying off the loan. This makes no sense because the payment was for the entire outstanding amount of the loan and the bills they are sending are for the standard mortgage payment amount. 

I began calling BSI the second week of XX/XX/XXXX. Every call gets the same response : They will submit a request to the payoff department and call me back but they never do. I have requested a supervisor or manager be involved multiple times as well. They always say one will call me, but they never do. 

I have asked the title company ( XXXX XXXX XXXX ) for assistance in this matter as well. The title company sent a copy of the payoff to XXXX on XX/XX/XXXX after they were told they would honor the payoff once receiving documentation. A copy of this documentation that was sent by the title company is attached. BSI now states they did not receive the documentation from the title company, and still has not returned any calls after promising further investigation.

BSI Financial Service XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX ( Fax )
Product: Checking or savings account

I have multiple fraudulent transactions on my account. Someone stole my phone and my wallet from my house. It had to be one of the babysitters because they knew my pin, which is my gate code. And the only people that know my gate code and are my relatives and the babysitters. 

- XXXX 's XXXX - {$1.00} - XXXX XXXX - {$5.00} - XXXX Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$22.00} - XXXX Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$15.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$100.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   client  XXXX   XXXX  is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are  Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank,  certified mail with return receipt     X/XX/2017   which  Barclay  Bank did receive. A recent credit report  X/XX/2017    still shows the  Barclays  inquiry listed with the credit bureau  XXXX .
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 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent and closed accounts off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XXXX {$1100.00} XX/XX/year> 2021
Product: Checking or savings account

XX/XX/2022 I used a debit card for purchases in XXXX XXXX at XXXX ; XXXX, and XXXX XXXX 
At XXXX, XXXX and again at XXXX, a " device '' other than the card in my possession, not authorized by me, known to me or with my consent, was used to fraudulently withdraw funds from an ATM owned by XXXX XXXX XXXX XXXX within XXXX  XXXX, I attempted to contact issuer of Cashcard ( debit card ) " Cash App '' to halt and dispute theft. They only have an automated " bot '' on Sundays. No live assistance was available. 
I immediately changed PIN. I continued to try to contact Cashapp help. 
I then went to XXXX XXXX and at XXXX and XXXX XXXX used the card in my possession to withdraw funds with a time and date stamp for proof of my possessing card and my location,, and I sent funds to XXXX recipients to drain my account should further fraud occur. 
XXXX is approx XXXX miles away from where I was located and a XXXX XXXX XXXX XXXX. 
The following morning at XXXX XXXX I was informed by Cashapp that I needed to contact the merchant. I contacted XXXX, obtained the name of the credit union supplying and faciltiating the ATM and transactions, tried to contact them and submitted an email to themThey responded two days later, told me they could not help me as I was npot a credit union memeber.. I contacted Cashapp repeatedly, via chat which was scripted and not helpful, via phone to a number that states they will make contact and to wait for this. 
I began the dispute process, which is vague and although entry areas are provided for associated transactions, these were not processed with the dispute. I eventually, days later, spoke to XXXX at Cashapp who assisted with the dispute forms, again was told to wait and they will investigate. I waited. I called, I sent requests for help, all came back formulaeic and unhelpful. I was denied provisional funds. 
I waited. On XX/XX/XXXX I drove to XXXX to engage with a live person at XXXX, who told me they did not have ATMs in XXXX. I drove to the XXXX pharmacy, took a photo of the ATM used for the fraud, returned to the SCU and showed the clerk the photo. He shrugged it off and said he couldn't help me. 
At XXXX I arrived at the XXXX Police Dept, but they had closed at XXXX. I drove XXXX XXXX hour back to XXXX. 
No one was following up with my status requests, no one would assist me. The next day, XX/XX/XXXX, I received and email of Dispute Denial. 
I have been trying to request documentation of their investigation. 
I have written to the Head of Cashapp and Square-whatever it is explaining I am going to pursue this in any and all manners possible, and I believe thios to be an Interstate crime as it involved XXXX and XXXX and I was physically unable to be in both places during the hours of transactions, and that I had physical possession of my card. It has been 19 days and I have no money, no recourse and I have been a victim of theft of funds supposedly secured in a reputable " institution '' I use the term reticently. Thank you
Product: Debt collection

XX/XX/2014 Comenity bankXXXX XXXX account was paid off and closed XXXX dollars
Product: Checking or savings account

On XX/XX/20 I tried to open checking account, which in the past was opened & closed by me without issue. Today however, Bank of America placed me in processing purgatory, leading me to believe they mishandled my data & denied me right to withdraw application and delete all personal data.
Product: Debt collection

I was notified in 2014 from this collection company that I had an outstanding debt from a apartment community. I advised them that I was living in a house in a different county. I then referred the matter to my family attorney. The attorney asked them to validate the debt. He received copies of the paperwork and found that the social security number didn't match mine. The debt was then taken off of my credit reports. I had my credit reports pulled several months ago and saw that they had put it back on there. I have tried disputing the charge but they still say that I owe the debt. I contacted another attorney because the one I had is now retired. The other attorney told me to file this first and if the matter is not resolved then we can take it to court.
Product: Money transfer, virtual currency, or money service

I already have a PayPal account. When I saw the inquiry on my report I was confused because I have an account. I called the company and they had my last 4 of my SSN as XXXX which its XXXX. I didn't apply for new PayPal credit because I've had it for years. It needs to be removed!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for this account is inaccurate and unverifiable. My payment history shows no record of late payments, as I have consistently made my payments on time.

Additionally, the credit report does not specify a date for this alleged late payment. This lack of clarity violates the accuracy standards required under the FCRA. 
High Balance Discrepancy : The high balance for this account is reported as {$3000.00}, which conflicts with the actual account details. 
Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Requested Resolution : I request that Equifax : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information regarding the date and evidence of the alleged late payment. If no evidence can be provided, I demand that the inaccurate entry be removed from my credit file.

Correct all discrepancies, including the high balance and payment history, to ensure my credit file accurately reflects my 100 % on-time payment history.

Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I filed a complaint, CFPB XXXX, against Caliber, # XXXX, months ago, received a " satisfactory '' response ( $ XXXX ) from VP Assistant XXXX XXXX on XXXX XXXX. 
I changed insurance companies from XXXX XXXX $ XXXX ) canceled on XXXX XXXX, 2015, engaged XXXX on that same date and was quoted {$2000.00} on XXXX XXXX. They sent Caliber a proof of insurance letter in XXXX XXXX {$2000.00} ) but later they raised the premium ( {$2400.00} ) and I canceled on XX/XX/XXXX, I started XXXX homeowners on in XXXX XXXX ( {$1700.00} ). 
I have sent Caliber {$4900.00} to clear insurance refunds along with my monthly payment XXXX {$850.00} XXXX every month, they misapplied the escrow funds, chaos ensured. 
I have just received a mortgage statement XX/XX/XXXX from Caliber charging me a {$1200.00} monthly payment due XX/XX/XXXX and I had a past due of $ XXXX outstanding principle has increased from {$110000.00} in XXXX to {$120000.00} today. 
I paid Caliber the refunds due them and lowered my cost of insurance from {$3000.00} XXXX XXXX to XXXX XXXX to {$1700.00} and my payments increased. 
My calculations show me paid up-to-date and my escrow at a surplus of about {$600.00}. I have asked for and received no information from them. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open or apply for a credit card from XXXX XXXX for {XXXX and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
Product: Vehicle loan or lease

Met terms of agreement and should have been removed from bureaus, yet it's still there and inconsistent info from one bureau to the other. 
Completed XX/XX/XXXX Late Payments Error This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? Reporting XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting Sent XX/XX/XXXX I Previously Disputed This I have new accounts established since my XXXX which are and all have been in good standing and looking to scale my business ' however this account is obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. I previously disputed this account stating : " This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? Reporting XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting ''. 
I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always had an excellent relationship with XXXX and since XXXX contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on short-term XXXX due to their stressful approach and threats to myself and cosigners. I am on a XXXX  payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to XXXX 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my Transunion report. Is it the goal of XXXX to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.
Product: Credit reporting or other personal consumer reports

I have paid off my XXXX  XXXX XXXX XXXX loan and being request for this item to be removed from my credit report, which they informed me that it will be removed and it still havent being removed. Please am asking for this item to be removed. 
XX/XX/2021 ACCOUNT # XXXX
Product: Checking or savings account

Dear Chase Executive, On XX/XX/2024 wanted open checking didn't want miss out XXXX bonus also my dad pass away. 
I am aware stating that I have an outstanding balance, which is preventing me from opening an online investing account. I would like to request more information about this balance, as I am not aware of any unpaid amounts or issues with my account. 

Could you please provide me with a detailed statement or transaction history that led to this outstanding balance? Additionally, I would like to understand my options for resolving this matter, whether through payment or by addressing any potential discrepancies. Considering I'm willing take my responsibility to you. See screen shot of what I been told. 

I am eager to clear up any issues promptly and proceed with opening my investing account. Your guidance on this matter would be greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from Carvana on XX/XX/XXXX. The vehicle came with a XXXX day return policy an an additional XXXX day dealer warranty. It was sold under the pretense that the vehicle had received a XXXX point inspection. However, by day XXXX we realized the car was driving poorly and we attempted to take it to their preferred repair shop to see the significance of the issue but they claimed not to be able to recreate the problems, acknowledged there were codes coming up but admitted to have removed them because they believed they were old codes from previous work done on the vehicle. They gave us some fluid to pour in our gas rank and suggested we drive the old gas out and use the fluid in our tank with new higher octane gas. We did that but the vehicle still performed poorly. So we took it to another one of Carvana 's preferences shops. The assessment was that the rotars had been resurfaced below the manufacturer 's reccomendation, the tires needed to be replaced, a front end alignment was neccessary, and that there were transmission issues. This vehicle was unsafe to drive and the issues we are having were supposed to have been inspected before the vehicle was sold to me. In addition, the warranty company agreed to replace the tires and complete the front end alignment but refuses to repair the breaks. My complaint is that Carvana misrepresented the condition of the vehicle and sold me a vehicle that either had not received the promised XXXX point inspection, or they completed it but did not disclose that the vehicle was unsafe to drivXXXX, therefore inoperable. We have only driven thus vehicle XXXX days since I purchased it and the complete break job recommended is over {>= $1,000,000}. Carvana refuses to intervene nor take responsibility for selling a vehicle that they claim had been inspected for possibly mechanical failure. Breaks would normally fall under normal wear and tear but rotars that had been resurfaced to less than what a manufacturer 's recommended measurement for safety is a hazard. That is not normal wear and tear. Attached are the pictures from the repair shop that they reccomend, showing the reading for the remaining surface of the roters. This vehicle was sold as a safe vehicle that had been inspected and the vehicle simple was unsafe to drive and should not have been sold in that condition for that price.
Product: Debt collection

I want to express my concern about the unacceptable practices of certain entities in relation to debt collection linked to my credit accounts. I need to address the transfer of my credit account from XXXX  XXXX XXXX to XXXX XXXX XXXXXXXXXXXX XXXX, under Hunter Warfield Account # XXXX. The debt is now owned by XXXX XXXX XXXX, XXXX, and I am not liable for this debt. I have no contract with XXXX XXXX XXXX, XXXX or Hunter Warfield, and they did not provide me with the original contract as required.
Product: Credit reporting or other personal consumer reports

i requested to the credit bureaus XXXX experian and XXXX to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof
Product: Credit reporting or other personal consumer reports

My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXXirteen ( 13 ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. 

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report. 

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Product: Checking or savings account

USAA sent me a text msg and email at XXXXXXXX XXXX stating that I can no longer receive money using XXXX. 

I opened up my app to se whats going on and notice no account was showing. I called to ask why they closed my account without any prior notice. The representative helping me said the account was charged off. I again said how without notice. By the way the account was paid. A deposit of {$190.00} was sent on XX/XX/2024. Another was sent for {$.00} cents on XX/XX/2024 which was prior to the closing of the account or generation of any letter. In fact the account should be in the black. 

I asked the representative if a 1099 was issued for said charge off and was told point blank no. XXXX how when I call is when they issue the letter with a back dated date.