23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to tal 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 ( XXXX ) and XXXX XXXX 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

I am writing to request that the following 4 inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Division Of XXXX time that I complain with this matter and Equifax do not resolve the issues
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called Equifax to get my free credit report. I was transferred to a call center in XXXX where I am 99.9 % sure they sold my information because shortly their after my identity was stolen. On XX/XX/XXXX I tried to place a credit freeze/lock on my account with Equifax, and they wont do it. I easily was able to place a credit freeze/ lock with XXXX   and XXXX. There is serious fraud happening inside Equifax. Someone needs to investigate what is going on there. And they need to be shut down. Even my bank told me to never call Equifax. We should be able to trust contacting our credit agencies. This is extremely corrupt and I feel helpless in getting this resolved.
Product: Mortgage

The Company, Loan Depot, ordered an appraisal within their internal order process. When I received a copy of the appraisal, the value was underestimated at {$220000.00} primarily because the appraiser misrepresented my total square feet and room count as approved by the county appraiser. This resulted in many unfavorable comparables and a low evaluation. I refuted this with the Loan Officer and his manager and they both agreed to that analysis. My neighbor 3 houses away at XXXX XXXX with slightly more size and with noted wall and water damage to the 2nd floor SOLD her house for {$330000.00}. My neighbor same street with a black top driveway and no updates has a pending sale for {$280000.00}. The appraiser likely discriminated me because of my national origin and forcefully lowballed my value which resulted me in not qualifying for the loan I requested. I have repeatedly emailed both the corporate contacts and the individuals who handled my loan application and no one has handled the matter. The manager, verbatim said in writting " I agree with you, I think your home should have appraised for more than it did ''.
Product: Debt collection

Ive contacted this company several of times attempting to settle this debt owed. On, today XX/XX/XXXX at XXXX I spoke with an agent by the name of XXXX XXXX in which he gave me on a monitored and recorded line, stating that Ill receive a settlement letter sent via email today before my payment is processed on tomorrow XX/XX/30. The only letter that I received was a confirmation letter in regards to the payments set up. Being that Ive been given deceptive information several of times from this company I am requesting this settlement letter to be sent before any payments are taken out of my account and I want this item removed from my credit as the agent who set up my settlement stated. Otherwise I will be forced to seek further action ( s ).
Product: Mortgage

Hello, I walked into Truist today to have my mortgage documents renotarized and was met with XXXX and XXXX  discrimination by the service rep who denied the opportunity to have my mortgage documents renotarized for processing when they notarized the first copy weeks back. This bank is perpetuating housing discrimination against immigrants and people of XXXX. There was no policy provide to state otherwise. Their practices are disgusting to the public and as a account holding consumer.
Product: Debt collection

This company JHPDE 1 LLC was already on my credit report in 2018 and they never could verify that the account the trying to colect was mine and had been remove from all my credit report. Now 3 years later they came back with another name but with the same adress, In 2018 their name was JH XXXX XXXX XXXX ... How is this posible that this company is using this tactic to collect a debt a do not own???
Product: Credit reporting or other personal consumer reports

I filed a dispute dated XX/XX/2023 Found several errors of my credit reports I request to remove any incorrect reports, to my credit profile Experian failed to comply with thier own policies in a timely manner. Please see attached
Product: Debt collection

A request for validation made pursuant to 15USC 1692g Sec. 809 ( b )  of the FDCPA was sent to the credit bureaus XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was contacted by a debt collection agency about a JPMorganChaseBank card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.
Product: Vehicle loan or lease

I found information on my credit report which is inaccurate and incomplete, so I did contact the original creditor ( Westlake Financial Services ) through the help of an adviser for them to provide me documentation to proved that alleged car loan belonged to me. Such documentation requested were the complete copy of the loan contract dated and signed by me with all pages including the sticker which is part of the contract. I also requested the letter they allegedly sent that provides me with my right to redeem the vehicle, the notice of deficiency/surplus and the right to cure and reinstate the car loan. 

As you very well know, I am exercising my rights to request such documentation directly from the original creditor per section 623 of the FCRA, a federal law, a duty of furnishers of information to provide accurate information. 

I did send two separate letters requesting such documentation more than a month separate and I am yet to receive any response from Westlake Financial Services after 90 days have passed. They completely disregarded my request. 

Thank you and hope to hear from you soon!!
Product: Credit reporting or other personal consumer reports

I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both Transunion and XXXX continues to report the error. XXXXXXXX XXXX has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XX/XX/XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.
Product: Checking or savings account

I am signing up for the fees that happened XXXX XXXX. I was sent a noticed that I can be reimbursed for fees for unfair banking by Wells Fargo. I know I paid a lot of fees probably over {$500.00} worth of fees. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder Common Bond but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.
Product: Credit card or prepaid card

I've two free night certificates in my account expired on XX/XX/XXXX. Each certificate is worth up to XXXX points. Per Mariott 's covid-19 policy https : //marriott-re-2019ncovc.com/ about Free Night Award ( FNA ) : Members who currently have an active Free Night Award ( FNA ) expiring in XXXX as part of their credit card benefit, annual choice benefit, promotions or travel package will be able to use it through XX/XX/XXXX, so my two certificates would be extended to XX/XX/XXXX, but they failed to get extended and expired them XX/XX/XXXX. 

Due to the pandemic, travel is highly restricted and I've not a chance to use the two certificates. I tried to contact Mariott customer service on XX/XX/XXXX to extend them, they asked me to wait for 10 days and to call back. On XX/XX/XXXX, after 11 days, I reached out them and they asked me to wait again. This is totally not acceptible. My night cerntificates were about to expire at that time and limited time was left to get the problem resolved, and it seems they don't want to get my problem resolved. Really disappointing. 

I understand that my two certificates got extended once on XXXX and set a new expiration date to XX/XX/XXXX, but due to the pandemic I've no chance to use them and Marriott publicly announced they would extend the active free night award expiring in XXXX to XX/XX/XXXX. In the policy, it never mentions this is conditional and needs the night award has never been extended before it's qualified to get extended. If a free night award doesn't qualified for an extension, please clearly mention that in the policy to avoid any inconvenience to the customers. No, they never mention that! This is totally cheating behavior and shows no customer care. 

To real disappointments, after I refered to their COVID-19 rule in https : //marriott-re-2019ncovc.com/. They quietly retired that website soon and redirected it to the other pages. This cheating behavior caused lots of trouble to the customers to actually find helps from Marriott due to the pandemic. 

I tried many times back and forth asking for my rights, they later simply issued a so-called good-will XXXX points, which are only 1/4 of the two certificates ' value. This is totally not acceptible!! 

Later I resorted to XXXX for help, but Mariott simply asked me to wait again 3 to 5 days. On XX/XX/XXXX, right one day after my certificates expired, they replied that they still refused to extend the certificates! Back and forth, I asked for my rights in XXXX. They finally declined to do that without any official rules or conditions that could support their decision. 

I resorted to their customer service on XXXX  on XX/XX/XXXX again. They simply sent me away with no real help! My issue has been over 2 months without any solution as I proposed. Hereby, I ask for help from our CFPB to investigate my case and asks Marriott to offer a real solution that respects their COVID-19 policy and the customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc., a consumer credit reporting agency, said on Thursday, XX/XX/XXXX that they were the victim of a massive cyber security hack, which divulged the information of 143 Million Credit Card Users. Hearing about this, I checked to see if my own personal information was stolen by using the URL : ( https : //www.equifaxsecurity2017.com/potential-impact/ ).  It was reported to me that my personal information has been impacted by the current hack. Information has come forward that Employees and Officers at Equifax have known about the breach sinceXX/XX/XXXX, and have been instead been selling off stocks. Because of this, I feel that Equifax has n't even done 1 % of enough to keep my information safe or to take care of their own faults. I feel they have n't been fully forthcoming and have n't been as proactive to protect their users and the data shared with them from other consumer credit reporting agencies.
Product: Checking or savings account

Bank of America allowed a New Jersey state order to garnish my entire back account. I live in South Carolina they took XXXX and left me and my wife with nothing. 

South Carolina banks do not allow out of state garnishments they illegally garnished my bank account. Employees state they are just follow legal procedures call New Jersey court if you have more questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Partial Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 

( d ) CONSUMER REPORT. 
Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) ExcLsions.-Except as provided in paragraph ( 3 ), t
he term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi.

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's the law.
Product: Credit reporting or other personal consumer reports

The company one main is still reporting the account as late..XXXX  days now. It was settled for less. Agreed to by the company. They are getting their payments for over XXXX  months. They agreed to remove the negative information they reporting off my credit reports. They are not living up to their agreement. Remove acvount and late payments off my accounts. Credit reports are wrong
Product: Student loan

On XX/XX/XXXX, I submitted a debt validation letter to Nelnet requesting the original wet signature contract between Nelnet and myself, along with other documents to show if the loan was ever discharged. On XX/XX/XXXX, I received an email from Nelnet, indicating an inability to settle the account based on the Master Promissory Note. This response deviated from my specific request, and it was sent via email, contrary to my explicit instruction to communicate only by mail. On XX/XX/XXXX, I sent Nelnet a second letter, a notice to cure letter notifying them I never requested a settlement, and that I requested the original Master Promissory Notes showing a wet signature contract between Nelnet and myself, along with the original documents requested in the first notice. On XX/XX/XXXX, Nelnet sent me another email asking for 30 more days. As of today XX/XX/XXXX, Nelnet has not provided any of the requested documents and is unable to validate this debt, by providing original documentation and the on-and-off ledgers to show if the debt was ever paid off or discharged.
Product: Money transfer, virtual currency, or money service

My phone was stolen and used to send money without my permission it was fraud and cash XXXX is refusing to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX BANK XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act ACCEPTANCE NOW # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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: Checking or savings account

I have just been informed by mail that US Bank wants to charge me an annual maintenance fee of {$30.00} for a traditional IRA that only made {$14.00} interest last year. They are charging this amount as the IRA is under {$25000.00}. I asked to cash it out and they said that they would charge me {$230.00} to do that. My husband and I are XXXX XXXX living  just above the poverty line and {$230.00} is a huge amount to us. Are banks able to do this to us? This account was transferred from State Farm bank as they do not do banking anymore and we never had any problem with them. We have had the account with State Farm Bank since 2006. When this account was transferred to US Bank we were not informed of any maintenance charges or that there was a withdrawal fee. I feel that we are being DISCRIMINATED against as it is a small account. They do no maintenance on the account and even if they did everything is computerized so that hardly justifies any maintenance charge.
Product: Debt collection

On XXXX, XXXX I sent two debt validation letters for two different accounts to AR resources. I Requested that this company send me proof that I owe them money regarding two accounts. The amounts of the accounts are {$480.00} and the other being {$970.00}. 

On XX/XX/XXXX I received a letter that a contained two bills! Bills that did not prove that this was my debt and that I owed this company any money. 

On XX/XX/XXXX I sent a failure to validate letter to AR Resources ( via certified mail ). Requesting that AR Resources, Validate the debt they claimed I owed for a second time because they failed to do so the first time. 

On XX/XX/XXXX at XXXX AR Resources received my letters. 

On XX/XX/XXXX I have yet to hear or receive anything else regarding the accounts. " Estoppel by Silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for theses accounts to be deleted.