23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied a loan modifications at Nation Star Mortgage XX/XX/XXXX and until now I have n't got the approval & gt ; & gt ; and kept saying that the loan was denied due to missing documents & gt ; & gt ; This is not true because I am very much concerned to keep the house for investment & gt ; & gt ; I am behind of almost 2 years for the payments and they are stressing me out to pay it so I can keep the house otherwise it will be foreclosure & gt ; & gt ; According to my tenants who live there right now they have been harassing them and gave the letter of foreclosure XX/XX/XXXX gt ; & gt ; take pictures of the house outside & gt ; & gt ; I am retired XXXX and receiving social security XXXX taking care of adopted son and want your help to stop the foreclosure I was able to pay the monthly that time & gt ; & gt ; I really want that house to keep for my investment in the future & gt ; & gt ; Thanks for your consideration and your kindness. 
The complete detail of the mortgage & gt ; & gt ; Nationstar MortgageAttn. Making Home Affordable Loan Modification processing XXXX. XXXX XXXX Texas XXXX XXXX Loan SpecialistTel. No - XXXX XXXX XXXX ext. XXXXFax no. - XXXX XXXX Loan no - XXXX owe {$89000.00} as of now and the house is worth {$130000.00} according to the market valueI really need your attention to help me to solve this problem because it 's affecting my medical problems & gt ; & gt ; I am on XXXX twice a week because XXXX I am having right now & gt ; & gt ; The doctor advised me to lower the stress to keep me healthy & gt ; & gt ; I just had XXXX XXXX XXXX XXXX XXXX & gt ; & gt ; I am divorcedHere is my tel.cell no.- XXXX XXXX XXXX XXXX XXXX - XXXXXXXXXXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

GM Financial declined payment assistance during Covid-19 pandemic. Predicated any assistance on the payment of a predatory {$89.00} fee. This has caused 4 late payments to show up on my account. They also charged fees for payment assistance during other federal natural disasters. Additionally, what makes matters more frustrating, is that their website was down for payments on multiple occasions. This caused a 30-day late to become a 60-day late for XX/XX/2020. I believe this was done intentionally to cause additional late fees.
Product: Debt collection

I filed bankruptcy in XX/XX/XXXX. At the time I included a debt from XXXX XXXX XXXX and notice was served to the collection agency handling it which is XXXX and XXXX. In XX/XX/XXXX I returned to XXXX to have a XXXX and was told because of the balance that I reported in XX/XX/XXXX on my bankruptcy I had to sign a promise to pay or they would not see me. So, I signed the promise to pay. Which at that time I paid {$150.00} which was my insurance deductible for the XX/XX/XXXX visit. I later returned back in XX/XX/XXXX for another visit which I again made a payment of {$150.00}. Which was all I owed. XXXX along with XXXX and XXXX are now refusing to remove the negative information off my credit report and are still trying to collect the amount that was included in the bankruptcy along with the XX/XX/XXXX debit and balance billing me for the amount not paid by the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a case ( # XXXX ) regarding XXXX XXXX ID # XXXX on my credit report XX/XX/2022. I found a response from the court it appears they do not report to the credit bureaus. And they did not provide me any paperwork saying this account is mine. I attached a copy of the letter sent to me by the courts. In the response that I received from Transunion it shows that this account was verified by the courts. Or at least that's how it looks to me, I also attached that notice as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Debt collection

BANK OF AMERICA Reported balance : {$960.00} is incorrect. The correct balance should be {$0.00}. Please provide proof that this is my debt via writing.
Product: Checking or savings account

On XX/XX/22, {$4100.00} was deducted from my TD Bank account without my authorization by TD Bank. I was never contacted by the bank for the rational for this withdrawal. When I called and emailed them they ignored me and I still have never heard back. The bank blindly withdrew this without any contact to me prior and without my consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Transunion said that they verified this late payment, but I sent proof that I paid on time and Im still seeing it on my credit report. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected. I demand this be updated to paid as agreed on all 3 credit reporting agencies. XXXX  XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1692XXXX that law clearly states, if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. If I'm not mistaken reporting to my consumer report is a form of communication.
Product: Bank account or service

First Niagara Bank XXXX XXXX XXXX kept paying incoming bills even though my account had a negative balance. The account had dropped to {$3.00} but I am fighting XXXX XXXX and was too sick to get to the bank. They charged me XXXX {$37.00} NSF fees. I called to explain and a very nice customer service rep credited me the XXXX fees. This was on XX/XX/XXXX. On XX/XX/XXXX, when I looked at my account, XXXX of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on XX/XX/XXXX. However, they did n't show up when I checked my checking account on XX/XX/XXXX and neither I nor the customer service rep saw these charges on XX/XX/XXXX. I know for a fact that I did not duplicate XXXX bills although the XXXX male reps I 've had to deal with since the XXXX said they checked my XXXX address and that I authorized these XXXX bills on XXXX XXXX. I did n't. The XXXX male rep I talked to forgave XXXX {$37.00} charge and XXXX of the XXXX NSF charge ; however, my balance was still in the negative. I explained that I live on Social Security, that I am fighting XXXX XXXX, and that a look at my banking with First Niagara shows that I do n't duplicate payments and that I do n't bounce checks because I ca n't afford to do so. Now, First Niagara is charging me {$37.00} per day for having a negative balance, even though I explained that my SS check wo n't come in until XX/XX/XXXX and I do n't have the money to cover the charges they put on the account to maintain a negative balance. I asked them to not pay any incoming bill if my account did n't have the funds to cover the charge. The reps told me it was at the bank 's discretion to pay or not. These payments and fees are robbing me of money I can not spare, and have caused me terrible stress. I ca n't prove, but do believe, that a First Niagara employee used my IP address to duplicate XXXX bills so they could reap NSF fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, DEPTEDXXXX : XXXX, DEPTEDXXXX : XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Money transfer, virtual currency, or money service

Multiple transfers were made on coinbase.com as well as coinbasewallet 1. I transferred about XXXX $ usdc to link coin to my coinbase account. Nothing showed up, says the transfer went through but I dont see the funds in my account 2. I transferred bzrx token to usdc and I never received that either. Transaction said it went through but I dont see anything in my account. 
3. I transferred XXXX of BZRX to ETH on coinbase wallet and it also said the transaction was a success but when I check my funds nothing is there?! 
Ive contacted coinbase support multiple times about this issue and I still have not received any type of help at all. This has been ongoing for 3 weeks now
Product: Debt collection

I received a letter today trying to collect a debt against " XXXX XXXX '' by the debt collector company integral recoveries. My name is actually XXXX XXXX XXXX. 

The debt is owed to the state of Utah. I've never been in Utah. I have no business with anybody in Utah and i would not have any reason to owe that amount. It is clearly a case of mistaken identity. 

I tried to contact the company, but all of their telephones are unresponsive and they do not provide any email mechanism to get in contact with them.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAYS - XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 30 DAYS XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

These credit bureaus have repeatedly failed to maintain accurate records on my credit report, despite my numerous efforts to have the inaccuracies corrected. This letter outlines the specific violations of my rights under the FCRA that have caused me significant financial and emotional harm.Incorrect Names and Personal Information ( Violation of 15 U.S.C. 1681e ( b ) ) 2. Failure to Remove Fraudulent Accounts ( Violation of 15 U.S.C. 1681i ( a ) ) Despite filing multiple disputes, the credit bureaus have refused to remove fraudulent accounts that were opened in my name without my authorization. This failure to investigate and correct these inaccuracies within a reasonable time is a violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to reinvestigate disputed information in a timely manner. Inaccurate Reporting of Collections ( Violation of 15 U.S.C. 1681e ( b ) ) The credit bureaus are reporting several fraudulent collections accounts on my report that do not belong to me. This is a violation of 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Failure to Remove Fraudulent Bankruptcy Filing ( Violation of 15 U.S.C. 1681c ) The credit bureaus have also failed to remove a fraudulent XXXX XXXX Bankruptcy listing that does not belong to me. This bankruptcy is causing severe damage to my creditworthiness and violates 15 U.S.C. 1681c, which governs the reporting of public records and the obligation to remove incorrect information.
Product: Debt collection

Include dates : XX/XX/2020 Amounts : {$250.00} Actions that were taken by you or the company : I sent a letter of inquiry to prove that the debt owed by me but the company ( CONGRESS COLLECTION ) did not prove otherwise.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and there was fraudulent accounts there. please remove these accounts its affecting my ability to get credit. attached is the ftc report
Product: Checking or savings account

On XX/XX/21 Seven identical transactions from my mortgage company XXXX/XXXX. XXXX of the amount {$700.00} were withdrawn from my account resulting in a negative balance of {$1400.00}. This is my primary and only checking account. I currently have XXXX cash readily available for me to take care of daily needs. I contacted Chase Bank at XXXX but was told the Claims department was closed and for me to contact my mortgage company. I contacted my mortgage company at once they opened and was advised that they were aware and that Chase made the request to numerous customers accounts. Hours later still in the negative with no communication from Chase or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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  : There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) 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 With that said I wish to have items remove ASAP
Product: Checking or savings account

I requested a transfer of {$7000.00} from my PenFed XXXX account to my XXXX  checking account over a week ago, and it has not occurred. See chronology of events : XX/XX/year> using PenFed online access I set up a transfer of funds to another XXXX XXXX account which has been in place with PenFed for quite some time, I have transferred funds using the account several times. I received an email from PenFed confirming my transaction. See attached. 

XX/XX/year>. This is the " effective date '' as represented by PenFed when the transfer of funds would occur. 

XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I called PenFed to obtain an explanation and expected date of transfer. I was told it could take XXXX business days. They had no explanation except to say it was still " pending. '' I also suggested that their own confirmation as well as their online system should indicated clearly that the date I may select for the " effective date '' may not result in the transfer happening on that date. 

XX/XX/year>. I checked my account around XXXX a.m. XXXX today ( Tuesday, XX/XX/XXXX ), and the transaction still has not occurred. 

Requested Actions by PenFed : 1. Immediately effectuate the transfer of funds. 
2. Review their policies and procedures to ensure they comply with applicable laws pertaining to release of funds. 
3. Review online systems to improve the notification of the actual timeframe within which a transfer may occur. At a minimum, on the screen where the customer selects the " effective date '' add a notation ( parenthetical, asterisk, etc. ) explaining the " effective date '' is NOT the date the transfer will occur but it is the date the next business day the customer requested the transfer and that a transfer may take so many days. 

Thank you for your assistance. I am very disappointed that I have to file a complaint in order to get my funds transfered. Thankfully, this was not an emergency or did not cause any overdrafts. I have however been delayed in using the funds as desired as well as expended unnecessary time simply trying to get a clear answer about the delay.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial stress. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX AV XXXX XXXX, AR XXXX ARCHILDSUPPT XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 day late that Transunion will not remove from my credit report as of XX/XX/2017. My divorce decree filed XX/XX/2017 states the residence is awarded to my ex husband, therefore mortgage payments were NOT my responsibility as of that time. They were his responsibility and the home was awarded to him and he was paying the mortgage. I was not living in the home nor was I responsible for mortgage payments. I had moved out of the home XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack has put my identity at risk and I am now in danger of identity theft.
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 proce 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 XXXXXXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card

In XXXX, I became legal conservator for my Mother. She had a credit card account with Wells Fargo that I quickly paid off and with the final payment, directed them to close the account. Fast forward til now, they have not closed the account. I received a statement in XXXX with a fraudulent charge. I called them on XXXX to report the fraudulent charge and told them the account was supposed to be closed. I later received a text message that I had not paid the bill. Then, another statement with the fraudulent charge and a penalty for late payment. I called them again on XXXX. They told me they could do nothing because I wasnt on the account. They want to add me to the accountI have concerns about my liability if added to the account which should have been closed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX reported from JPMCB Home Lending   stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : JPMCB - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : JPMCB - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by JP Morgan Chase Bank, NA to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by JP Morgan Chase Bank, NA. 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but JP Morgan Chase Bank, NA refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.