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

I filed a dispute with the Army & Air Force Exchange Service regarding the date I opened my account. I asked for a copy of my application, but they ignored my request for a copy of my application. They stated that the delinquency was correct and I am disputing that the dispute date is incorrect and the date that I opened my account is incorrect. That is why I am requesting a copy of my application. Please see page 20 for the dispute information.
Product: Bank account or service

I sent money through XXXX App for my bills which was {$450.00} and {$60.00} to one person & {$310.00} & XXXX $ to another person. Chase Reversed the money from their accounts by filing a dispute that I never approved. They took the funds out of my account twice and they wo n't return the funds to the appropriate people or to me. I need them to give them their money back and return the money that they owe to my account. I never approved those disputes. I only dispute an XXXX charge.
Product: Mortgage

I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with PACIFICUNION with account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately.

The fraudulent accounts are as follows : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Dear cfpd I am writing this letter to complain about my bad experience with Bank of America claim. 



I submitted two credit disputes in XXXX, and because there was still no response with those disputes, I called BOA today trying to figure out what happened. 


Problem didn't fix it, l will submit another complaint letter only talking about those disputes. 

The problem is after l told me that I will complain about it a few minutes later, my XXXX XXXX phone service was suspended, l can't call or text. 


l had to chat with an agent online, then they told me the reason why my account was suspended. Bank of America charges XXXX dollars back from XXXX XXXX, l use my bank of America credit card ending XXXX full year plan before, still 7 months remaining. 

Credit card chargeback order # XXXX, Transaction ID : XXXX, TOTAL OWED includes reactivation fee : {$30.00}. 


I spent 2 hours getting back on service. 


I believe the Bank of America is trying to take revenge on me, and dispute me with their power. Because just my phone ended with Bank of America then l phone service suspended cause credit changed back. 





I spent 2 hours getting back on service. 


I believe the Bank of America is trying to take revenge on me, and dispute me with their power. Because just my phone ended with Bank of America then l phone service suspended cause credit changed back. 

I doubt that this timing is intentional. XXXX XXXX asked me to pay another XXXX dollars to reactivate my account. I have to spend time and money getting another phone card to fix my suspended phone card. 

I want those money refund Looking forward sincerely XXXX. 
Ps : l will write another complaint letter about my shopping in XXXX XXXX, those paid with Bank of America credit card also with case number from Texas XXXX XXXX XXXX XXXX.
Product: Mortgage

CFPB Complaint XXXX See above case number XXXX XXXX XXXX XXXX I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before. 

SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to my scheduled foreclosure sale date. 

SPS said they would review and now we have moved the file to a short sale and they are stating they need 45 days and the sale date was 42 days away when the file was submitted. They are changing the guidelines as they go in order to not open my file.
Product: Student loan

On multiple occasions, beginning on or around XXXX, XXXX, Firstmark Services has approved at least two ( 2 ) Natural Disaster forbearance based on my areas of employment and/or residence, only to arbitrarily remove said forbearances after several days each time ( AFTER WRITTEN APPROVAL NOTICE ), citing " representatives error ''. Most recently, a forbearance placed on XX/XX/XXXX was removed arbitrarily for the same cited reason -- even after providing FirstMark with all requested documentation to support my forbearance -- including but not limited to : I. Driver 's ID ( reflecting my XXXXXXXX XXXX XXXX XXXX county zip code ) II. Current, XXXX XXXXXXXX license and explanation that I am employed by XXXX XXXX as a travel private duty XXXX  in and around XXXX XXXX, XXXX, XXXX & other surrounding counties -- dependent upon my current XXXX assignment, which may range anywhere from 3 - 16 weeks. 
III. Detailed narrative of any and all events noted in requesting said Natural Disaster forbearance ( s ). 

It is grossly appalling that Firstmark Services would not do its due diligence, and approve these forbearance requests IN WRITING, only then reneging on said approvals days later -- causing my accounts to become past due. This company must be investigated urgently by a CFPB Enforcement Investigator, and they must honor these forbearance urgently as promised to myself, the borrower. 

Most recently, I have requested a Natural Disaster forbearance for the FEMA declared XXXX XXXX XXXX -- affecting XXXX XXXX XXXX ( employment / homes & areas of employer ( s ) and patients ) ) and my residence area -- I continue to await this approval and contact from Firstmark Service 's senior management to confirm this placement of said forbearance.

This matter remains extremely urgent and unresolved, and I continue to request urgent assistance in resolving this issue with the immediate placement of said forbearance as requested herein, to yield full resolution to this profoundly arduous and distressing matter with my loans serviced by Firstmark Services.
Product: Debt collection

I checked my credit report and there were multiple accounts from Phoenix financial services for a debt which does not exist and I never received a validation letter as required by the FDCPA before reporting to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance-
Product: Credit card

Compass Bank took {$7500.00} UNAUTHORIZED out of my XXXX XXXX checking account on XXXX XXXX, 2017 to pay towards my Compass bank Credit card which had a XXXX balance. I paid it off on XXXX XXXX, 2017. I have contacted them 4 times, each time being told it would take anywhere from 3-10 business days to give it back to me. They refused to give me a cash advance without interest or fee to cover it. This was asked for by a banker from a branch I went into yesterday. That is a LOT of money, and I need it back in my checking account. They basically stole it from me. They have acknowledged that is was unauthorized. HELP!!!
Product: Debt collection

XX/XX/2018- Hoffman associates in the amount of XXXX this debt is not mine. I have disputed it
Product: Mortgage

My complaint is regarding my escrow analysis, and resulting misapplication of payments I received an escrow analysis on XX/XX/2020 ( attached ). In that analysis I was informed that 1. ) my tax amount had increased, and 2. ) there was an escrow shortage of {$3500.00}. While I agree with the amount of the tax increase ( it matches my current tax bill, which is attached ), I do not agree with the escrow shortage being reported. The escrow analysis incorrectly lists my tax due date as XX/XX/XXXX, when in fact the correct due date is XX/XX/XXXX ( shown on the tax bill enclosed ). This mistake regarding the date is inflating the tax shortage by {$2300.00}. the actual shortage is {$1200.00}. I have sent Ameris bank the tax documentation, and have called and emailed over 20 times, since XX/XX/2020 ; However as of the writing of this letter the mistake has not been corrected. 
My second complaint derives from misapplied payments. I typically pay my mortgage on the XXXX of the month for the upcoming month. On XX/XX/XXXX, I made a payment of {$2500.00}, This payment amount was an estimated mortgage payment amount if the escrow analysis was corrected. The payment should have been allocated as follows Ameris change the payment application and did not treat this payment as a mortgage payment. 
I believe the mistakes that are being made are both deliberate and systemic. I believe escrow shortages are created at Ameris Bank in order to overstate the amount of cash deposits on hand and overstate the value of the bank. I also believe the customer service agents are trained to dissuade customers from challenging the escrow analysis and prevent corrections from being done. I believe this because when I call the flow of conversation is the same each time as if the representative is reading from a script. 

As a result of all of this I am reaching out to the CFPB to assist me in having my escrow analysis fixed, and my payments reflected accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NJ XXXX XX/XX/XXXX Capitol One Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Remove Charged-Off Debt from Credit Report due to Missing 1099 Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter regarding my account with Capitol One. My name is XXXX XXXX, and my account number ending in XXXX which was associated with a charged-off debt. 

Firstly, I would like to express my gratitude for your efforts in assisting me throughout the process of resolving my financial situation. However, I believe there is a discrepancy in the reporting of this debt, which I would like to address. As of the tax year XXXX I have not received a Form 1099-C, " Cancellation of Debt, '' from Capitol One. 

According to the IRS guidelines, when a creditor forgives or cancels a debt of {$600.00} or more, they are required to send the debtor a Form 1099-C. This form reports the canceled amount as taxable income to the debtor. Without receiving this form, I am unable to fulfill my tax obligations accurately and may inadvertently underreport my income. 

Additionally, as the debt was charged off, I understand that the reporting of this debt on my credit report should be adjusted accordingly. A charged-off debt should typically be marked as " Charged-Off '' and indicate a {$0.00} balance. However, the debt is currently listed as outstanding on my credit report, which negatively impacts my credit score and financial standing.

Therefore, I kindly request that you take the following actions : Provide me with a copy of the Form 1099-C for the canceled debt associated with my account account ending in XXXX for the tax year XXXX. 

Correct the information on my credit report regarding this charged-off debt, reflecting the appropriate status as " Charged-Off '' with a {$0.00} balance. 

I believe that addressing these issues will not only ensure accurate tax reporting but also help rectify any inaccuracies on my credit report, which is crucial for my financial stability. 

Please respond to this matter within 30 days from the date of this letter, as required by the Fair Credit Reporting Act ( FCRA ). If you require any additional information or documentation from me, please do not hesitate to contact me at my email XXXX. 

I appreciate your prompt attention to this matter and your understanding of the impact that these issues have on my financial well-being. I look forward to resolving this matter amicably and would like to thank you in advance for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is not reporting my acct status to my XXXX? i need this info to see what is happening?
Product: Money transfer, virtual currency, or money service

My husband XXXX XXXX passed away on XX/XX/XXXX. He used a Barclay credit card to pay his monthy fees to XXXX XXXX XXXX. On XX/XX/XXXX Barclay closed his account and sent his payments due to a collection agency. 

On XX/XX/XXXX I allowed a check of {$700.00} to a collection agency named XXXX XXXX XXXX XXXX XXXX to make a payment to Barclay Card to pay XXXX XXXX XXXX for fees due for XX/XX/XXXX and XX/XX/XXXX. 

As of this date, XXXX claims they never received any payment from Barclay for {$700.00}. When I spoke to Barclay they would give me no information but to say the account was closed with a XXXX balance and if I had a problem then I would have to call XXXX XXXX XXXX. 

When I spoke to XXXX XXXX XXXX they said they sent the money to Barclay. 

This has been going on since XX/XX/XXXX and at this time I can not book any time with XXXX and I can't OPT.. out of the program called Ovation until this bill is paid. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not give let me access my consumer report or credit file
Product: Mortgage

My mortgage was sold to PNC Mortgage, an out of state company. In order to make my monthly payments, PNC requires that they receive my payment by the due date. However, because I do not have an account with PNC and can not get an account, they charge me a fee of {$7.00} for the privilege of paying them on line. I have tried using regular mail, but USPS is unreliable. Even with using Priority Mail, it has taken up to 9 days because USPS for some reason first sent the payment to the wrong state. As a result I incurred both a " late payment '' on my account and an {$87.00} late payment fee. It seems that there needs to be rules which regulate what banks can charge as fees. And if the bank does not have a local - walk in method for payment - they should make it possible to make online payments for free or very low cost. {$7.00} to pay your mortgage is too much. I think {$1.00} or something is the maximum which should be allowed. Over the life of a 30 year mortgage, a monthly {$7.00} fee adds up to thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am retired ( XXXX ) and living in XXXX. I moved from XXXX, CA over 3 years ago ( XX/XX/XXXX ) after living there for 28 years. All bills were paid including my cable bill ( equipment also returned XXXX to XXXX at their XXXX Connection location. A month ago I received a collection notice XXXX XXXX. XXXX ) from ERC XXXX Enhanced Recovery Company ), XXXX, XXXX, FL XXXX stating that I owe XXXX {$230.00}. They threaten me with reporting to Credit Bureau. I called ERC on XX/XX/XXXX and told them I do not owe XXXX any amount of money.
Product: Checking or savings account

I was told by citi bank that my funds can be released by the banks discretion. I arrived to the bank and was told they can release funds but there is still a block on my account.
Product: Credit reporting or other personal consumer reports

I do not recall applying for a XXXX XXXX XXXX and I never received the funds. I received an email that I was approved, and the funds were being sent to a XXXX bank account. I attempted to contact the company and did not receive a response. The account has been sent to XXXX XXXX XXXX XXXX account # XXXX and is being negatively reported on my credit report. The original creditor and information are listed below. 

Customer ID # : XXXX Principal Amount : {$1200.00} XXXX  Date : XX/XX/2020 2020
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASHAPP ( 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 regulation E. These actions have caused significant inconveniences, financial loss, and I seek appropriate redress for these violations! XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I obtained a cash advance in the amount of {$5700.00} on my credit card with Bank of America due to repairs required on my house. On the next statement I received ( XX/XX/XXXX - XX/XX/XXXX ) it reflected interest of {$36.00} for the advance. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of {$6000.00}. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of XXXX. My most recent statement ( XX/XX/XXXX - XX/XX/XXXX ) reflects interest of {$160.00} with a " balance subject to interest rate '' of {$7200.00}. 

I asked a customer service representative today why the cash advance balance is higher than the original advance, and was informed when payments are received the minimum payment amount goes to the lowest APR balances first and anything above that to the higher APR balances. This information is on their monthly statement. I also asked if the monthly interest on the cash advance balance is calculated on the " higher '' balance of principal plus unpaid interest, and was told yes. I understand this as capitalized interest ( charging interest on interest ) and thought it was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with XXXX XXXX formally known XXXX XXXX  I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
Product: Debt collection

I have an overdue collections inquiry in my XXXX credit report related to an XXXX account which is a company that I have not had any type of business relation or association with, nor have never had an account with them on any of their services. 

Now other Collections company, CREDENCE RESOURCE MANAGE, previously XXXX XXXX XXXX and before XXXX have been trying to collect a debt related to an XXXX account, that I dont recognize and that it could be related to an identity theft case. I submitted an identity theft report already with number XXXX which resulted in removal of credit inquiry by collections company Enhance. 

XXXX insists on making me responsible for a debt that I do not have with them and becoming borderline harassment now using 3 different collections companies to pursue the same wrongful resolution.
Product: Consumer Loan

I took out a loan with XXXX XXXX finance in XX/XX/XXXX-XX/XX/XXXX for {$2600.00} and have been paying {$290.00} per month ( most months ) since that time with a total having paid to them of {$11000.00}. I am sending a cease and desist letter today ( XX/XX/XXXX ) and have issued a stop payment with my bank for this company. I have paid more than an adequate amount for this loan. Since the initiation of this loan, it has been transferred from XXXX XXXX to XXXX XXXX and Cash Call for management.
Product: Checking or savings account

I summitted banking information on XX/XX/XXXX & received confirmation for XXXX payments of {$14.00} thru XX/XX/XXXX beginning XX/XX/XXXX. Don't feel comfortable giving bank information again