23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fast forward 5 years and the same problems exist with my loan modification program today. When I started the process for a loan modification with Bank of America in XX/XX/XXXX and finally approved for trial payments in XXXX, XXXX. I started making my 3 trial payments with the understanding that BOA will report to the CRAS that I was making the trial payments and all the future payments under the modification according to the letter they sent me ( although, from what I understood under HAMP guidelines, if a customer is current during a loan modification period, the lender must report them as current to the CRAs ). Obviously, this has not happen with my home loan account with Bank of America despite being making payments on time every single month as stipulated under the permanent loan modification approved since XXXX, XXXX with first payment sent in XXXX XXXX under the permanent modification ( please see record of payments attached ). On XXXX XXXX, XXXX I was granted a bankruptcy under Chapter XXXX where my vehicle and my home were excluded by my own request wanting to keep my home already going under a very long process for a permanent loan modification delayed by Bank of America. On XXXX XXXX, XXXX on XXXX in XXXX with the XXXX my final hearing with the assistance of my attorney in XXXX under my Oath and Confirmation to the bankruptcy with Judge XXXX XXXX, XXXX District of XXXX the hearing conducted and processed by phone ( see copy of documents ).
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 privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Mortgage

I had a 3month arrangement set for XXXX unfortunately my brother relapsed stole the money so I called nation star now Mr.Cooper XXXX XXXX said if I pay XXXX we would not go into foreclosure I told him I would get the rest I needed from fiancee.boss n it will b in bank acct by XXXX next day he said for me to give verbal consent as they would n't take $ out right that moment., so I did he reassured me that would stop foreclosure n call in about a week to move forward a week went by the XXXXwas still in r account I called XXXX n he said it went into foreclosure anyway suddenly changed his story saying I stated to him I did n't have the $ which is a lie .so after numerous attempts we are n't eligible for a loan modifications as its no longer based on hardship n I expressed that it is n't right that I trusted there representative as I 'm learning as I go n they r saying oh well we want over XXXX even tho of course I made my brother accountable he XXXX XXXX. I am XXXX XXXX, my children ( XXXX ) father XXXX so XXXX moved back home, my fiance had to take a job @ $ XXXX a week to secure a paycheck n homes been in his family over 100 yrs. I filed a complaint today but rep XXXX XXXX told me it wo n't matter n ultimately we r going to lose r equity n home.
Product: Credit reporting or other personal consumer reports

I have requested that Lexis Nexis provide a copy of my report on five occasions. They keep sending me a letter requesting I upload information to verify my identity. I provide the information and the keep sending me a letter saying they didn't get my proof.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) Due to inadequate customer service and on fair practices which XXXX, the Consumer Financial Protection Act ( XXXX ), 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 redness.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : This complaint is due to the unauthorized inquires on my Experian report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Experian report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Experian be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.
Product: Debt collection

There were fraudulent charges placed onto my Chase checking account, by someone else and the account was closed for no reason. The account number was XXXX. This account was closed about two years ago. I also disputed a battery that ultimately ruined my vehicle and my life and this company refused to give me a refund from XXXX XXXX as well as XXXX XXXX XXXX XXXX, NJ. I am shocked and appalled that this discrimination is happening to me. I am so very upset and saddened. I have a few complaints at this company and it seems as though people are trying to have me murdered.
Product: Credit reporting, credit repair services, or other personal consumer reports

( I demand you remove the inaccurate account listed on my credit report immediately! ) 1XXXX XXXX XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Judgment against me in XX/XX/XXXX for $ XXXX.Instead of bankruptcy I chose to pay my debts. For some reason this debt was n't inc when I refinanced my home in XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX monthly payments $ XXXX {$600.00} automatically deducted from my checking account. Then deduction stopped I had paid {$9000.00} of the debt. Apparently Asset sold the acct to Midland Credit for the balance of {$1100.00}. Midland filed papers with XXXX XXXX, Fl with the ORIGINAL debt of {$100000.00} and started garnishing my wages. Midland refused to send me or my employer anything written of the balance, would n't return phone calls to my employer. They are still garnishing my pay and to date have about {$5000.00}. Midland rep told me they " have the right to collect up to the original debt ''. Is this legal. This is causing a financial hardship. I 'm a RN, I have to refuse addtl shifts, because that much more is taken. This month, XX/XX/XXXX they will have kept over {$2000.00} in one month. I need help I ca n't afford a lawyer.
Product: Money transfer, virtual currency, or money service

Over the course of the past month from XX/XX/XXXX to XX/XX/2021 I have been scammed by a fake trading platform called XXXX XXXX XXXXXXXX  The site has recently been taken down. However, the scammers also have another site that goes by a different name but is identical that is still up XXXX XXXX XXXX  They claim to be located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I invested {$31000.00} from my Coinbase account. Once I discovered the XXXX XXXX  platform was fraudulent I contacted the following government agencies to report the crime : FBI, SEC, FTC, XXXXPD, and CA Dept of Financial Protection and Innovation. I also contacted Coinbase to request a refund of the transactions per their user agreement that stipulates the following " The policy insures against theft of digital currency that results from a security breach or hack, employee theft, or fraudulent transfer. '' They state that they have criminal insurance to cover this type of fraud, but they are refusing to refund the transactions. Link to the user agreement can be found here XXXX XXXX XXXX XXXX  Can you help? I have evidence and documentation of everything that has occurred.
Product: Mortgage

On XX/XX/2021 we had a notary sent to our house and signed closing documents stating that we would be closed, finished and receiving {$28.00}, XXXX back. We followed up multiple times to find out when this money was coming, and after a week they told us that they re-ran our credit and saw that we started a new lease on a car. 

Our old lease expired so we had to get a new lease. This lease was taken out XX/XX/2021 ( a month before closing ). They waited until after closing to run a credit again. 

They have asked for the same documents multiple times and keep siting that the need these documents. They ask for quarterly statements that show we have enough money to cover this lease. We have provided this 5 times - the most recent quarterly statement is from XX/XX/2021. We have sent this 5 times since XX/XX/2021. 

We send it. They say its accepted. Then they ask for something else, and when we send that - they ask for the quarterly statement again and keep saying it is not recent enough - it is the most recent statement available from anyone. We have also updated them MULTIPLE times with current daily balance directly from the retirement account. 

This is all stuff that should have been handled prior to closing - and we have provided what the underwriters keep asking for MULTIPLE times. They are asking for documents - we are providing - they are refusing. 

We are now 5 weeks passed our closing when we signed papers and they refuse to close and hand over our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net credit put a delinquent account on my credit, when the balance was actually paid in full three years ago. The company now has a Derogatory account on my credit and the information is incorrect. I tried emailing the company and calling with no response. This misinformation dropped my score over 30 points. I can provide proof my account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX 15U.S Code-1681 Section 602 States : I have the right to privacy 15U.S Code- 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S Code- 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX and Hunter Warfield Collections has added a collections account to my credit of over XXXX dollars for a lease that I had at XXXX XXXX XXXX XXXX in XXXX, Fl. I do not owe this amount of money as my lease was up. I started out renting from another company and in the middle of my lease it was swithched to XXXX. I paid a really big deposit that I did not get back. This debt was removed by all credit bureas in early 2016 when I disputed it. About four months later it was re-inserted by XXXX and XXXX. XXXX did not re-insert. I was was given no expalnation of how or why this could be reinserted by the same collection agency. These companies have ruined my life and I have been homeless because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX XX/XX/2020 i had sent certified mail with return to XXXX, XXXX and TransUnion about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of EducationXXXX Navient # XXXX ; XXXX Please provide method of verification of late payment with physical proof.
Product: Debt collection

I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account with the account number XXXX was opened with their company on XX/XX/2022. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from CAINE & WEINER via certified mail XXXX # and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the XXXX XXXX XXXX XXXX XXXX CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

XXXX. Provide the XXXX XXXX XXXX. 


Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Mortgage

Hello, We are trying to get our PMI removed from PHH Mortgage. 
We had tried to get the PMI removed in XXXX, but they filed the appraisal 10 days before the loan became over XXXX XXXX old, and they did not consider our partially finished basement a major project. Therefore, they rejected the PMI removal request. 

I then waited until the loan was past XXXX XXXX  maturity and resubmitted a PMI removal request. The appraiser came in on XX/XX/XXXX and completed the appraisal. 
I asked for an update on XX/XX/XXXX, and they responded with the following message : " Your request is under review with our Private Mortgage Insurance ( PMI ) department. A letter of instruction has been requested for the account and will be mailed to the mailing address on the account. Please allow XXXX business days for the request to complete and additional time for delivery. '' I've called multiple times in the last several weeks and they continue to say that they are processing the request and that they've escalated it. They won't give me the appraisal number that should have been completed several weeks ago, and I'm concerned that they are stalling to see if the housing market goes down and then they will give back a lower number, and reject the removal request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XXXXXX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX  XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor Experian will correct this.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are accounts XXXX XXXX XXXX {$1100.00} Needs Attention XXXX XXXX XXXX XXXX {$150.00} Needs Attention XXXX XXXX XXXX XXXX {$1200.00} Needs Attention XXXX XXXX XXXX XXXX {$1100.00} Needs Attention XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their refusal to investigate a dispute I submitted in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a dispute letter to TransUnion, challenging the accuracy of information in my credit report. The items disputed include incorrect personal information, as well as account listings for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and public record XXXX. 

Despite my efforts to rectify these inaccuracies, I received a response from TransUnion dated XX/XX/2023, where they unjustly refused to investigate my dispute. Their assertion that I am using an unauthorized third party is not only unfounded but is also a violation of my consumer rights. The FCRA mandates that credit reporting agencies investigate a consumer 's dispute within XXXX  days of receipt, and TransUnion 's failure to adhere to this requirement is concerning.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$100.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

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.

chase freedom account # XXXX credit card # 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 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: Debt collection

I called the debt collection agency and explained the account was not opened by me and explained how I was positive of the fact. Also informed her that at the time the account was opened I was fully insured and that would have paid any medical bill. Proceded to get any and all information they had that I opened the account and was told I needed to pay {$1.00} so they could access all three credit agencies to see if there was any information that was inaccurate or was different than what they had.