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

I sent a payment of {$80.00} to a third party for concert tickets on XX/XX/2019. The person requested that the money be sent through XXXX, which is included as an online service through my bank, Wells Fargo. I sent the money and never received the tickets. The other party stopped responding to my attempts to contact them. I immediately contacted XXXX, but was told I needed to contact Wells. Wells told me that they could not stop or reverse the transaction, but they would open a fraud case. I asked if I should contact my local PD and was told it was not necessary. The Wells Fargo representative told me that the Fraud department would first need to determine that there was fraud involved, and that the other party did not suffer some sort of event like an accident that prevented them from completing the transaction. Once they have determined that it was fraud they would open a full investigation and would be contacting me for more information. The fraud department denied any restitution. I spoke to Wells customer service on XX/XX/XXXX and was told that the extend of the investigation is only to make sure that the money was sent to the appropriate account. No other steps were taken and I still see advertisements on XXXX all the time from the fraudulent party. Wells will not do any further investigation and XXXX will not work with me either. I had never used XXXX and was under the impression that they would offer consumer protection similar to other person to person money transfer services. I further expected that Wells would offer me protection and follow through on taking the steps they told me they would.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX  XXXX ( Mo ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

I lost my job XXXX XXXX. I called today XXXX XXXX to seek options. I was told I exhausted all options and had no choice but to pay. I can not. I collect unemployment. 

I would like to pay my loans and will as soon as I am employed again. Please help me negotiate with Navient as they do not with consumers directly. I was made to feel as though I were a " Low-life '' for asking for help. The representative was argumentative and completely unhelpful. Please help me. My next payment is due XXXX XXXX.
Product: Debt collection

This debt is illegal and invalid. Landlord/collection never contacted me ( guarantor ) by mail. Landlord/collection never provided itemized list of repairs. Landlord never provided depreciated value of property. This is required by law in order to collect on debt and must be provided within 3 weeks of move out. Despite several requests to do so, this was not done. Landlord can not expect to collect on an arbitrary amount. It is my opinion that the carpet that was damaged was already depreciated to {$0.00} and therefore the damage to it is {$0.00}. Instead, they insist that is is more without provided legally required documentation to prove their value. Collection agency proceeded to report this on my ( guarantor ) credit report with ZERO contact with me.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by JPMCB AUTO. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
First, I called the company many times was frustrating because Chase 's representatives kept me on hold, they didn't process the postponement in XXXX. 
After that, I tried many times to contact a Chase representative but I never got help from them, I didn't get any late payment notification. 
In XXXX, the website did not allow me access to do a postponement. 
My family was physically and monetarily affected by XXXX. I lived one of the worst moments of my life, I didn't want to lose any member of my family. 
We spent a lot of money due to that difficult situation, I think JPMORGAN CHASE representatives weren't ready to listen to me or take any action to help me. I will forward this complaint to California Attorney Generals office and Senator XXXX XXXX office, for violation of the CARES ACT. 
I hope top get a fair solution to this issue. ll be filing a small claims suit in XXXX XXXX XXXX next and subpoenaing all of XXXX records, if they dont remove the late remarks or the entire account 's tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, Equifax Credit Bureau. 
XXXX Credit Bureau. 
XXXX Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!
Product: Vehicle loan or lease

I got a loan from XXXX XXXX for XXXX in XX/XX/XXXX, I made payments with XX/XX/XXXX until XX/XX/XXXX, then the account was given to Yamaha financing on XX/XX/XXXX. These payments were being made with my checking account bill pay service, each week I made 2 payments of {$90.00} dollars, so for the months of XXXX and XXXX I made a total of 18 payments totaling {$1600.00}. Some how Yamaha financing only received 8 payments in XXXX and 2 in XXXX, I now have a balance of {$100.00} dollars left on the account which shouldve already been paid off in XXXX. Ive called them numerous times explaining Ive already paid them, Ive provided them with copies of my bank statements as per their request for XXXX and XXXX showing the dates of the payments transaction numbers and the amount that was paid. They refused on numerous occasions to contact my bank and confirm proof of payment, and keep insisting I must pay the {$100.00} dollars in order to get my title. Its been months and They still cant tell me where my money went too, I keep getting the run around, I spoke with supervisors XXXX and XXXX and got nowhere just lies about the matter being investigated, when asked if they confirmed the payments with the bank the question is avoided. At this point I want my money back from the loan with the interest paid and any fees and the {$800.00} that was over paid to them. They broke the contractual agreement I signed, I paid for a product that they refused to turn over ownership, I just want my money back they can pick up the motorcycle, its been 4 months of lies and deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion after viewing a copy of my credit report and see that they are still reporting medical accounts on my credit report after I informed them that I wanted to challenge the compliance of the medical accounts that they are reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) AND REGUATION E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Product: Mortgage

I AM REQUESTING OMBUDSMAN OR BANKRUPTCY DEPARTMENT TO CORRECT MY ACCOUNT AS MY BANKRUPTCY CASE XXXX IS STILL OPEN. MR COOPER SYSTEM IS INACCURATELY REPORTING THAT MY BANKRUPTCY CASE CLOSED ON XX/XX/XXXX. STILL, MY ACCOUNT WAS MODIFIED DURING BANKRUPTCY XXXX XXXX  FOUR YEARS AGO WITH ME PAYING ON TIME UNTIL COVID 19 NATIONAL DISASTER. HOWEVER, I AM IN GOOD FINANCIAL STANDING AND QUALIFY FOR TRIAL MOD AND MET ALL THEIR REQUIREMENT STILL, THE INVESTOR THAT OWNS MY NOTE IS IGNORING MY FILE TO PUT ME IN HARMS WAY DESPITE PROVIDING FINANCIAL DATA TO THEM SEVERAL TIMES. 

I RECIEVED A LETTER AN XXXX SINCE XXXX AND RECENTLY A XXXX LETTER LETTER DATED XX/XX/XXXX FROM MR COOPER STATING A RESPONSE APPROVAL FOR TRIAL MOD BY XX/XX/XXXX. YET, MY ACCOUNT IS STILL PENDING GOING ON 9 MONTHS TO INTENTIONALLY PUT ME AND MY FAMILY IN HARMS WAY FORECLOSURE DESPITE 3 TIMES EMAILING PROOF OF {$22000.00} PER MONTH INCOME. I EVEN OFFERED TO PAY MR COOPER {$20000.00} OVER THE PHONE TO CATCH UP MY ACCOUNT AND THEY REFUSE MY MONEY PREFERRING TO FORECLOSE MY ACCOUNT. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS
Product: Mortgage

XX/XX/2024 CONSUMER FINANCIAL PROTECTION BUREAU Consumer Complaints Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXopy : XXXX XXXX XXXX XXXX, Bank of America Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference : Property Address : XXXX XXXX XXXX XXXX, AL XXXX THIS IS A COMPLAINT AGAINST BANK OF AMERICA AND XXXX FOR THEIR REFUSAL TO REFUND TO US THE SURPLUS FORECLOSURE FUNDS ON OUR PROPERTY Sir : We have not received any response from BofA on our original complaint - Complaint ID XXXX. 

In the meantime, we conducted further research on this matter. Our research indicated that there was no proper endorsement of the note ( loan ) by Countrywide Home Loans ( Countrywide ), the original lender, to XXXX Home Loans ( owned by Bank of America ). 
In addition, our research also indicated that XXXX  XXXX XXXX XXXX ( XXXX  ) which assigned or transferred the propertys mortgage ( or security interest ) to XXXX Home Loans was merely a nominee of XXXXXXXX XXXX XXXXXXXX ( Hometown ), the original mortgagee, and had no financial or ownership interest in the mortgage. 

Therefore XXXX was in no position and no legal standing to assign or transfer ownership interest of the mortgage to Countrywide ( see case ruling attachments ). 
This is related to our complaint previously filed with CFPB ( for which we have not received a response ) that Bank of America manipulated the calculation of interest and fees so they will eat up all the surplus funds resulting from the sale to XXXX on our above indicated residential property. 

We would like Bank of America to send us, if it is in their possession, a certified true copy of the note endorsement by XXXXXXXX XXXX XXXX. They can mail us a certified true copy at our address provided below. 

XXXX. It appears that if there was no proper endorsement of the note, then the note still belongs to XXXX XXXX  and BofA had no ownership interest in our residential property that they sold to XXXX. 

XXXX. If that were the case, the SALE TO XXXX WAS VOID.. 

XXXX. As to the matter of fraudulent assignment of mortgage from XXXX XXXX XXXX this further proves that BofA has no ownership interest on the mortgage, let alone the note, and therefore the sale to XXXX was VOID. 

XXXX. We believe THERE ARE OTHER MEMBERS OF THIS CLASS. We are not the only ones. There should be an audit of all foreclosure sales of Countrywide to BofA, then to XXXX during that period. 

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

In  2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first hou se or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!
Product: Checking or savings account

PNC CLOSED MY ACCOUNT WHEN I WENT TO OPEN AN ACCOUNT OF FOR MY XXXX YR OLD SON : THEY STATED THE WOULD NOT OPEN AN ACCOUNT FOR HIM AND THEY ARE ALSO GOING TO CLOSE MY ACCOUNT : AS THEY DID, THEY CLOSED MY ACCOUNT WITH NO REASON : MUILTI CALLS AS TO WHY MY ACCCOUNT WOULD BE CLOSED AND THEY SAID THEY HAVE A RIGHT TO CLOSE MY ACCOUNT PERIOD. 

THEY KEPT MY FUNDS FOR OVER 20 DAYS MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND PNC AND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE TO THE MERGER PERHAPS, IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION : they reported me to early warning credit as abuse ( with no documentation of abuse ) I'm currently not about to open a normal bank account due to being racial discriminated by PNC and XXXX XXXX XXXX : I will be posting the details with XXXX on a separated compliant : i have over 200 statements from PNC opening an account for my son and sending us both online bank cards, then letters stating they would closed : No verbal nor written reason was given and the documents received do not reflect abuse however they reported this to early credit warning as Abuse : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOA AND PNC HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR XXXX AS WELL. 

Account # : XXXX CLOSED XX/XX/2020 2020
Product: Mortgage

My mortgage is with Guaranteed Rate, who uses XXXX as its servicer. I am required to access my account online through XXXX. 
Today, I attempted to access my account online. Unfortunately, I could not recall my prior password. I went through their password reset system. I would reset my password, then input that exact same password into their system, their system then shared I was locked out of my account. 
I then called their phone number XXXX. I spoke with their first line representative who said she was unable to unlock my online account and that I would be locked out for 2 hours. I then asked for a supervisor. I then spoke with the supervisor XXXX, her initials are XXXX. The company does not allow their customer service representatives to provide any identifiable information. XXXX shared there was nothing she could do for me either, and that it was impossible to unlock my online account, and that I would continue to be locked out for the full 2 hours. Supervisor XXXX was unable to provide me a time when my account would be unlocked. Supervisor XXXX also confirmed the terms and conditions I accepted when signing up for their online banking did NOT include disclosing this 2-hour time out should a password reset be needed due to three incorrect password attempts.

I was also told I had no other recourse other than to file a complaint to their " Complaints '' department. 
I do not understand why Guaranteed Rate/XXXX  would refuse to unlock my online account, refusing me the ability to transact on my mortgage which could potentially prevent a late payment or late fee from accruing.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to help me in this important mater. I notice couple fraudulent inquiries on my consumer report. I do not recognize. Please delete this inquiries. 
XXXX XXXX or also know as XXXX XXXX XXXX Inquiries were made XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report, I notice an account that is not mines. The account is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was paid to original creditor, XXXX. CCS received notification of recall, yet is still reporting the debt. CCS gives mixed answers as to owning or servicing the debt.On reports it appears as owned, and the account open date is not the same as the date opened with XXXX. In fact, a month after it closed. I have had no business relationship with CCS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). Please find the account details below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Status : CHARGE-OFF Errors in the Report XXXX. Inaccurate Date Reported : The Date Reported is incorrectly shown as XX/XX/year>, a future date. This is impossible and violates XXXX ( b ) of the FCRA, which requires accurate reporting. 
XXXX. Missing Date of Last Activity : The Date of Last Activity is not provided, which prevents accurate calculation of the XXXX reporting period ( XXXX ( a ) ( XXXX ) ). 
XXXX. XXXX XXXX : The account shows a balance of {$490.00} despite its charge-off status. I request verification of this amount as required by XXXX ( a ) ( XXXX ) of the FCRA. 
XXXX. Prolonged Reinvestigation : My credit report indicates a Reinvestigation in XXXX, but I have not been provided an update within the XXXX XXXX period ( XXXX ( a ) ( XXXX ) ). 

Requested XXXX I request that Equifax do the following : Correct or delete the inaccurate information listed above. 
Provide me with written confirmation of the results of your investigation. 

If Equifax can not verify the accuracy of this information, I request the immediate removal of the account details from my credit report, as required under the FCRA. 

If no action is taken, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a XXXX credit card. I do not own a XXXX credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.
Product: Credit card

I opened a Discover Credit card account and because I complained about their horrible customer service. I was retaliated against and the pur my account in protected service. Now they are asking me to send a picture of me through a link of my cell phone. This is discrimination.
Product: Credit card or prepaid card

FYI I apply for per paid card and was mislead that I was approved for the prepaid card this should not be allowed. Just bringing this to your attention because many of the Banks and Credit Cards are misleading me and others and using the review as hard view on Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Americor for debt relief with 4 creditors during these months they only supposedly reduced on then during this time I payed off another creditor then was told by Americor that they had to pay them off so we sent them the money to pay off another and they didnt pay it off after I seen in credit report that now I was 90 day behind I had to then pay fees on top of what I sent to Americor after I argued with them for week I finally the refund the money now I owed more that previous balance then Americor was taking money out of my account and not paying the creditor the only paid them 2 month worth when I spoke with one main bank they also said that Americor had not finished the settlement with and they had only made 2 payment but Americor was taking 2 payment a month when I asked Americor they said it was fee for the settlement but prior they said that they where paying them 2 times a mont and the fees where where small after many arguments and being told I didnt understand I canceled services with them even canceling was a huge argument basically telling me I was stupid in the time they only settled on 1 account I had paid off 2 other even though they took money from me and cost me fees and penalties on one of those creditors to this day I cant get a accounting of the fees or how much they paid its been a horrible experience
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Consumer Loan

Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting.