23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to the recent pandemic, my mortgage company offered Covid 19 protection, we decided to accept the offer, however we were able to make all the payments during this time period. the problem is that the Mortgage company ( Carrington Mortgage ) MISAPPLIED one of the payment in XXXX, and due to this misapplication both mine and my husbands FICO score have dropped 35 pts!!!, I have called Carrington Mortg. numerous times, talked to the escalation dept, and this has  been NO HELP at all. 

My next step is our local XXXX XXXX, to hopefully bring this to a head. 

I have been more than patient with this mortgage company, however I need your help PLEASE. 
I have been denied credit, my husband had been denied employment every month we make a payment were being reported as 30 day late!
Product: Checking or savings account

My checking account was closed in XXXXXXXX XXXX XXXX  due to overdraft protection fees and fraudulent activity in which I called to let them know and ask for an investigation. Its not fair and I would like to be compensated.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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: Credit reporting or other personal consumer reports

I received my credit report then I called XXXX, XXXX XXXX TransUnion in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( XXXX ). XXXX reporting XXXX Inquiries & 2 Addresses, XXXX reporting 35 Inquiries & 7 Addresses, TransUnion reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each report.
Product: Debt collection

I purchased a new phone, therefore I don't have the exact dates. I am receiving between 3 and 5 phone calls PER DAY, sometimes at unreasonable hours. I have tried talking to the company directly and they are usually very rude or just hang up on me.
Product: Debt collection

On XX/XX/XXXX, myself, my mother and ex husband were called from The Midland Group in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for XXXX XXXX credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.
Product: Debt collection

on XXXX XXXX this company through another part contacted my aunt about a invalidated charge. When the other party furnished their number I called them back and they said they would send my social security number to a foreign company to further harass me. The epresentative also called me a XXXX over the phone and said i was XXXX to have a XXXX  vehicle. which i recorded te phone call.
Product: Checking or savings account

I had {$960.00} taken out of my Chime account by an undefined person. Chime us refusing to refund money back in my account. 
Incident occurred : XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately.
Product: Vehicle loan or lease

Hello, We desperately need to obtain the title OR a lien payoff letter for a vehicle, a XXXX XXXX XXXX. We have repeatedly mailed and faxed this request for a number of months. When I call Ally Customer Service they indicate that there is no record of this lien. I have been calling for three months. 

Ally bought out XXXX, which owned the XXXX XXXX XXXX that held the lien on this vehicle. The lien has been paid off for a number of years!!!! 

VIN # XXXX TITLE # XXXX ISSUED XX/XX/XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XXXX Cell XXXX Land
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I made a dispute for two purchases from Ally Bank for two items of {$79.00} and {$27.00}. the dispute number for these items they told me was XXXX. I told Ally Bank that these two items were defective. They reported these purchases as unauthorized instead of defective. I received a notice saying that the purchases were authorized ( not what I originally reported ) and because of that they would not provide me a credit. My problem is, I requested the documentation used in making their decision for the dispute ( as is my right ) and have not received it. The second time I request these documents was XX/XX/2020. So it has been over a month now since the first time I requested it and I was told by Ally Bank today XXXX XX/XX/2020 ) that they made a note of it but did not send the documents. Ally Bank 's chat correspondence is not date and time stamped so I'm not sure how useful a screenshot of the conversation would be.
Product: Credit card

Regarding case # XXXX, I disputed a purchase for a sweater that I purchased on my Capital One Quick Silver credit card. The sweater in question was purchased on 2/23/23 for {$120.00}. Within two month the sweater had fallen apart with multiple rips in the seams. I contacted the company that I purchased from ( Figs ) in order to give them the opportunity to rectify the charge. The email was not responded to by Figs, and there is no other contact information listed. I therefore disputed the charge with my credit card. In XX/XX/XXXX, I submitted supplementary information which was requested following my initial dispute, including images of the disrepair, receipts of the purchase, as well as an estimate to fix the article of clothing. My credit card rejected the dispute, claiming I did not provide enough documentation. Following this, I called and spoke to XXXX at Capital One Quick Silver, to inquire what I was missing, which she could not inform me of. I have provided all documentation requested and as a consumer, I should be protected from purchasing defective merchandise. I appreciate any assistance you can provide in this matter.
Product: Money transfer, virtual currency, or money service

Saturday, XX/XX/2023, I began corresponding with XXXX XXXX in regards to a cleaning lead from XXXX. XXXX is a company which states they screen individuals ( small businesses ) seeking services. This is not a FREE service, I paid almost {$200.00} for the credits. 

XXXX stated I had to pay a surety linkage fee to secure the project ( cleaning XXXX properties starting today, XXXX, XX/XX/2023, ending in XXXX thereafter. The surety fee was {$440.00} which was paid to XXXX XXXX by an email address via XXXX. The XXXX payment was to XXXX XXXX for {$300.00} for the lock box codes to enter the properties to clean. 

To no avail, I contacted XXXX on XXXX they reported XXXX account as fraudulent & to call my bank. I called my bank yesterday & today yet they said its a cash transaction. I called XXXX again today to speak with management yet was given an email.
Product: Student loan

I took this loan out in XX/XX/XXXX or XX/XX/XXXX ( XXXX ) and the SAVING & LOAN that handled defaulted it because he payment was too high ( for me ). I offered a little less but they were n't interested. I then became XXXX and went on XXXX around XX/XX/XXXX. The loan was discharged by nelnet approx XX/XX/XXXX or XX/XX/XXXX. I returned to work in XX/XX/XXXX and they began to grab my tax refunds. All of the years that I was on SSD should be considered since the interest is now XXXX $ a year among other lies I was told through the application process. Thank you
Product: Money transfers

I went to a Western Union provider and filled out the order to send {$470.00} but added a " test question '' because the recipient had his wallet stolen and did not have an ID. The transaction went thru and printed me a receipt. The charge for the service was {$40.00} When my friend went to pick up the money he could not because the " test question '' was not listed on the transaction. The reason is that Western Union has a rule that you can not send amounts over {$290.00} with a " test question ''. So he could not get the money. I called and they told me to go back and get a refund. So I did but they said they would not refund the {$40.00} fee for sending the money. I do n't understand how they can charge me for this when I was not informed that this transaction would not be deliverable. I was printed a receipt. Their system should have not let this " undeliverable '' transaction to complete. I think their software should have kicked this back and should have not allowed this transaction to complete. I want my {$40.00} back
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On 9 different occasions starting from XXXX to XXXX, I sent money to my son via XXXX and our Chase bank accounts ranging from {$45.00} to {$580.00} totaling {$1400.00}. All these transactions were sent using my son 's email address with no errors in the spelling. After a conversation with my son on XX/XX/XXXX, we both realized that he had not received any of these payments. I immediately went with my son to our financial institution ( Chase ) and reported the issue. They were able to see that the email address was correct but that none of the transactions went to my son 's account. A query was made to the complaint department to see if we could get our money back as it was seen by them that it went to another Chase account in error. After a few days, I received a phone call and a letter stating that I could not receive the money back. I went back to Chase on XX/XX/XXXX who pushed this issue up to a " corporate '' level complaint as it was clearly evident that it was not my fault. Once again, after a few days, I received a phone call stating that there was nothing they can do to help me. We were told by Chase the name of the person that it incorrectly went to along with the last 4 digits of the account number as it was also a Chase account customer and they still wouldn't credit my money.
Product: Debt collection

Recently, I sent correspondence to the debt collection company Convergent to dispute the debt in question and request documentation that reflects that I owe the amount in question which is {$720.00}. Per request for documentation I was only sent a letter stating that an investigation was completed by Convergent and that there findings stated that I owe the debt, I am requesting those findings that convinced Convergent that I owe that debt. Also, this account is expired under the statue of limitation here in the State of Nevada for written and or verbal contracts. This account is reflecting on my credit report as a negative account, and if Convergent can not provide the legal documentation showing that this account has not expired under the statue of limitations in the State of Nevada and written proof that this is my account. Then I am requesting this account be removed from my credit report, and no further contact from this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, XXXX and Equifax XXXX to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Account : XXXX XXXX Date opened is inaccurate. 
Balance & No. of month terms are inaccurate. 
High credit limit is inaccurate. 
Last reported date is inaccurate. 
Last active date is inaccurate. 
Date of last payment is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXXXXXX Date opened is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX Date opened is inaccurate. 
Last reported is inaccurate.

The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXX  Account status is inaccurate. 
Date opened is inaccurate. 
No. Of month terms are reported inaccurately. 
High credit is inaccurate. 
Last reported date is inaccurate. 
Last payment date is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

- My DATE OF BIRTH is reported inaccurately by XXXX XXXX Equifax. 
- My current address is reported inaccurately XXXX, XXXX, & Equifax ( My correct current & ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) - My previous address is reported inaccurately XXXX, XXXX, & Equifax
Product: Mortgage

We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide written or electronic consent to XXXX XXXX XXXX, to authorize a Credit Hard Inquire on XX/XX/2021.