23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed on this account is inaccurate and does not belong to me. According to Fair Credit Billing Act. Creditor needs to verify this account actually belongs to me. Creditor needs to verify Date of Last Payment date. Creditor needs to verify which payment method was used to make last payment date. Creditor needs to verify date opened. Creditor needs to verify Highest Balance. Creditor needs to verify accuracy of this account, as it doesn't appear on my XXXX  or XXXX  bureau credit reports, which means this information is inaccurate and fraudulent. I want this account removed from my Equifax credit report. I have sent police report stating I am a victim of identity theft, with said account listed on police report. Unfortunately, creditor is violating Fair Credit Billing Act. and Equifax is violating the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX EST i woke up to my cashapp account signed out of my phone so i signed back in and i got a message stating my cashapp account was closed due to violating terms of service and I had XXXX XXXX remaining in my balance, being that my account was closed I was unable to use my cash app card to withdraw the funds that were remaining in my cash app account, so I transferred the XXXX XXXX from my cash app to an external account which would be my XXXX account and cash app charged me a XXXX XXXX transfer fee so the total amount that was transferred to my XXXX account was XXXX , i immediately went to check my XXXX balance well it just said pending unclaimed transfer so i asked XXXX what that meant and they said that the money was sent to a wrong phone number, email or XXXX account which doesnt make any sense because i put my XXXX card number into cashapp when i withdrew the funds and my XXXX is good to go so i asked XXXX to cancel the transfer in hopes that the funds would go back to my cash app account but there is no money in my cash app account and I have contacted XXXX and XXXXhey have confirmed the transaction has been canceled and the funds were never received. The XXXX XXXX should of been returned to my cash app account but the funds are no where to be found, it's been 24 days today I have contacted XXXX and cash app multiple times and nobody can help me. I have screenshots of proof that I never received the money and that it was canceled. I have contacted the XXXX XXXX XXXX, The financial protection Bureau, the federal trade commission and I have been trying to get my story on social media in hopes that it will go viral and XXXX XXXX ( the owner of Cashapp aka Block ) will get in contact with me and help me recover my funds and compensate me for the mental stress that this has caused me.
Product: Mortgage

I am applying for a loan with Broker Solutions Inc., dba New American Funding, ph XXXX and they have increased my appraisal fee and discount points fee in the middle of the process ( started XXXX XXXX, 2021 ; closing is scheduled for XXXX XXXX, 2021 ). 
Discount points rose from {$510.00} to approx. {$1500.00}. 
Appraisal fee rose from {$490.00} to {$950.00}. 

Is this allowed by law? If not how can I challenge these fees?
Product: Mortgage

We are currently less than 30 days late on our mortgage. They have sent people to our house several times, who have left notices on our door. They send us letters daily and call multiple times a day. Yes, we are late, but not even 30 days late. They constantly harass us. They send weird boxes with odd items in it like dice to our address. They send greeting cards and other post card type mail too. It is very odd and I feel like they are trying to intimate us. They have people come by a lot who take pictures of our house. My wife is scared of them and I think that is the point ; to scare us. I want them to leave us alone this is completely unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have kept close documentation. No responses to the letters I sent as well as not marked disputed within the legal 30 days. Also when I requested validation receipt of how the account was verified mine no information was sent back in response. No orginal signature binding me to any contractual obligations to this account as no verification information waa received within the legal allowe d 15days or r eceipt. Information was not listed correctly per the me tro 2 compl iance laws. As I do have all documentation, as well as all the signatures from the company when the certified mail I sent out waa received. This is my final attempt to have this account removed from my credit reports and cleared up or I will file a lawsuit with a court nearest to me for up to {$1000.00} per violation including court and attorney cost. A police report and report with the  XXXX  was filed    XXXX   XXXX   2017.
Product: Mortgage

In XX/XX/2008 court awarded my exhusband XXXX the property on XXXX in XXXX, Ca. with all encumbrances .. This bank of america loan # XXXX is still showing up on my credit report.. I have contacted bank of america on this subject. This is listed as an invividual on my resent credit reports.. This was a joint account..
Product: Money transfer, virtual currency, or money service

I've been a user/customer of Binance.us since XX/XX/XXXX. In order to report and file my taxes, I tried to log into my account on XX/XX/XXXX to download my transaction history and any tax forms they have for me. Instead of allowing me to log in, Binance.us confronted me with an extremely intrusive consent form that would require that I allow Binance.us to collect AND share highly sensitive biometric PII data with third-party companies. For obvious reasons, I can not and will not consent to this attempted theft of personal information. 

They only provide an option to say " yes '' or to log out. Failure to grant them this consent disallows access to my own account, so they are holding my money and my XXXX tax reporting information hostage at the price of my very private personal data. They did NOT provide any prior warning of these unilateral change, and they did NOT provide the ability to transfer our my funds and close my account and opt out of their scam. I have been trying to work with their useless support team since the XXXX, but they've done nothing whatsoever except provide canned or nonsensical responses. 

I spoke with a tax expert from XXXX who believes that what Binance.us is doing is illegal, and I have informed Binance.us of this. I am currently unable to properly file my taxes due to Binance.us 's likely crimes.
Product: Debt collection

I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Product: Debt collection

I had lived in California for about three years and had opened a Checking account with XXXX XXXX XXXX. I had NO outstanding balance owed to this credit union and they have unlawfully affected my credit score by claiming that I owe a balance to their banking establishment. I refuse to have this petty claim affect the credit records I have been tracking.
Product: Checking or savings account

Today I want to dispute one fee with JPMorgan Chase Bank. 

When I log in to my checking account in JPMorgan Chase Bank, it was overdrawn. I have transferred {$120.00} to cover it. However, when I check my account today, they charged a fee, it was called INSUFFICIENT FUNDS, and it costs {$34.00}. 

But the important is, I did transfer enough money from another bank via XXXX with XXXX after I realized. 

According to the rules in Chase.com : https : //www.chase.com/personal/checking/overdraft-services/standard-overdraft-practice > You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or transferring funds from another Chase account : > At a branch before it closes > At an ATM or when using the Transfer Money option on chase.com or Chase Mobile or using Chase QuickPay with XXXX before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ) Then I found the transferring transaction was done at XXXX XXXX Pacific Time, which is XXXX XXXX Eastern Time. It's based on the email and transaction detail. 

According to the rules about XXXX with XXXX on their website : https : //www.chase.com/personal/quickpay > If your recipients bank is a XXXX member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipients bank doesnt support real-time payments, the money should be available in 1 to 2 business days. 

Which means when I requested the transferring, it already credited to my account before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ). Because XXXX XXXX supports real-time payments. 

If the money credited to my account in next day, which means it is not caused by me. They said it was credited to my account at XXXX XXXX  in next day. This is ridiculous. 

After I called their customer services, even transferred to the manager, they still did not give any resolution. 

XXXX XXXX delayed the transferring credited on purpose, just make sure they can have a reason to charge me an insufficient fee.
Product: Student loan

XXXX Spoke with Navient about the paperwork for a economic hardship forebearance. They told me that I do not qualify- even though I make a 1/3 of what I was making last year at this time and make less than {$2000.00} a month. They also told me that they do not figure in living expenses or other expenses when refinancing or lowering payments. Just what you make. I make too much to qualify for this this type of deferment ( according to them ) and might be able to get a 30 Day Disaster Forbearance in XXXX. I am unable, at this time, to work 40 hours a week and pay this loan ( I make {$31000.00} a year vs what I made last year : {$72000.00}. 
I am unsure of their qualifications for Economic Hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNIVERSAL RECOVERY CORPO Opened XXXX {$800.00} UNIVERSAL RECOVERY CORPO Opened XXXX {$2000.00} I believe XXXX credit reporting has duplicated these items. The first account belongs to XXXX XXXXXXXX XXXX and the second to XXXX XXXX XXXX tax attorneys. 

-I never received the validation or the initial call or email, possibly, due to moving although a forwarding address was filed with USPS . I do not believe the reporting agency Universal followed procedure. -My credit reports shows 3 derogatories preventing me from securing housing. There are only the 2 accounts and they are related to tax issues with the IRS. This has been confused by XXXX  credit reporting. 
-The agency continues to thrash the account to make the two derogatories appear to be new which they are not. 
-I disputed both and this does not show. 
XXXX XXXX in court told the judge that both were XXXX   firms which they are not to make me look like someone who dodged debts. You can see from my report that I do not. 
XXXX XXXX XXXX XXXX XXXX XXXX chose collection as a punitive move although the attorney representing me left the firm and I was not notified. The firm pulled the POA with the IRS without notifying me as well. 

Both account were disputed multiple times and payments were made to the second account. We had a brief attempt at arbitration. I do not have the money for arbitration.
Product: Debt collection

My name is XXXX XXXX last four digits my social security number is XXXX The law office of relin and Goldstein and crane located at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme Court County of XXXX XXXXthe index number is XXXX Their trying to sue me for a credit card account thats not mine the company is XXXX XXXX it has a balance of XXXX dollars the debt is 15 years old. XXXX XXXX search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney relin Goldstein and crane for harassing me and my family back in XXXX  with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe XXXX XXXX money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to XXXX XXXX that if I don't pay this bill. Which he's doing is illegal.
Product: Credit reporting or other personal consumer reports

The following accounts were settled in full but continue to be reported inaccurately : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Bank of America Account Number : XXXX
Product: Consumer Loan

1. I purchased XXXX insurance that was suggested by Ally Financial, however, my vehicle was not covered entirely by this insurance and now I have a charged off account on my credit reports. 
2. I may have a collection account on my credit reports because the XXXX insurance I paid for did not cover the gap between the purchase price or amount owed on loan and the value paid out by both the insurance company and the XXXX insurance company.
Product: Mortgage

I am sending in this complaint in hopes you will look into how Loancare is running there business I had put in a complaint before # XXXX which you ended up closing I believe because of lack of backup or proof in my first complaint. The reason I did not for that is first I had to learn how to scan to my computer so I could send you files. I also had to organize the mess Loancare has given to me. Being XXXX years old it is not easy for me to do, but in the long run I did learn to scan and got things somewhat organize. 

As of today I still have the exact same problems I had last XXXX. Late payment when I was never late ( # 2 A ) and an escrow account I never asked ( # 3A pg 1 and # 3 A pg2 ) for which they opened to try and make me pay insurance cost. I have had the same insurance company ( # 10 E ) when Loancare took over my mortgage. 
Both of these things I have given them proof of. 

There are few important thing I have dealt with with this company that makes me think they need to be looked into and are being dishonest. 
One is I am not the only person with problems with Loancare. On XXXX  they have a page which has quite a few complaint. 
Another is they lie. They lied to you when they sent the XX/XX/2020 letter saying I never responded to their request. I am sending you proof that I did response to their request on XX/XX/2020. They also sent the same letter to the XXXX XXXX XXXX  only changed the CFPB to XXXX. There is also the problem of them going back into my payment history record and changing things around. ( 3A pg 2 and 2 3B pg 1 and 2 ) They started saying I had no insurance on the property around the first of XX/XX/2020 and then later XXXX went back and put down I had no insurance the previous year. 

Please look into this companies practices. {$26.00} false late payment can add up to a lot of money when they charge it to a lot of different customers. 

You do not have to work to correct my situation. I feel somewhat confident I will win in any court. I do not want to go that route, but it looks like Loancare is leaving me no other chose. 

there are three recordings that the system would not let me send
Product: Checking or savings account

I had NetSpend all access account, my stimulus was deposited onto it. had XXXXXXXX XXXX left in my savings I noticed unusual activity where my money was slowly being transferred out I contacted them they said they would fix the issue and no more money would be able to be transferred but slowly it all became empty then they sent me a check closed my account for XXXX $ and I'm still left without all my money
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts, please delete Incorrect names 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 XXXXXXXX OH XXXX
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiries on my credit report, XXXX MORTGAGE XX/XX/year> | XXXX XXXX XX/XX/year> | XXXX BANK XX/XX/year> | XXXX CARD XX/XX/year> | XXXX XXXX XX/XX/year> | XXXX MORTG XX/XX/year>. Delete the hard inquiries.
Product: Checking or savings account

I was at home on a Saturday ( XX/XX/XXXX ) when I noticed some unauthorized charges on my account. I had my debit card with me so I didn't lose it. I immediately called my bank ( Wells Fargo ) at XXXX XXXX on their 24/7 fraud line and filed the complaint ; This was within 24 hours of the fraud charges on my account, as the charges were not there on the XXXX. My issue still has not been resolved with my bank and my money has not been reimbursed. {$120.00} Was stolen from my account. I really need that money back and am feeling lost with my dispute being left in the " open '' status. I need help.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. 

These following accounts are an accurate. 


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 XXXX
Product: Student loan

On Friday, XXXX XXXX, XXXX, I contacted Edfinancial immediately after receiving the news of XXXX XXXX XXXX. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid close {$4300.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America mortgage is reporting wrong information in all of the credit report I have dispute the balance on my credit report that caused my scores went down I am not late but Bank of America mortgage have increased my principal after weeks later so many complaints so many calls the problems still there.I paid my mortgage every month I dont miss payment so why my principal increased from {$79000.00} in my statement to {$81000.00} on my credit report when I disputed it why all three credits bureau told me to contact Bank of America mortgage I did for weeks they still not fixed the problem because the balance is wrong finally Bank of America mortgage told me I have a short in my escrow that may be the reason I the increased in my principal.I never anything like this my escrow monthly payment is {$520.00} and my principal monthly payment is {$220.00} a month and my escrow balance is XXXX so how they went put more than the balance said and also why put it in my principal and when question them they gave all kinds of stories but still not fixing my credit report problems with the wrong balance? 
I want Bank of America to fix it and report the real balance.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding inaccurate accounts reported by SafeRent Solutions that have severely impacted my credit score and financial standing.

SafeRent Solutions has reported the following inaccurate accounts on my credit file : XXXX. XXXX XXXX XXXX XXXX : {$190.00} XXXX. XXXX XXXX : {$190.00} After conducting a thorough review of my official XXXX credit report, I have verified that these accounts do not appear on my XXXX file. Therefore, SafeRent Solutions has inaccurately reported these items, causing my credit score to be falsely reduced to XXXX, while my verified XXXX report shows a score in the XXXX range. 

This incorrect reporting has caused significant damage to my creditworthiness and has negatively impacted my ability to secure housing and other essential services. 

Legal Notice : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information and request its correction or removal. SafeRents failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse to ensure compliance. 

I trust that SafeRent will take swift action to resolve this matter and correct my file to reflect accurate information.