23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage for an investment property was with  XXXX   XXXX . We recently had some financial difficulties because my wife was on   XXXX   XXXX    XXXX  and I ended up having to have emergency   XXXX    XXXX , as well as the fact that work needed to be done on one of the units and it meant that we were not paid for sufficient rent for almost 3 months.      XXXX   XXXX  sold our mortgage to Shellpoint Mortgage. We made arrangements to send them a payment which they promptly sent back. When i called to find out what was wrong ( thinking I had put the wrong account number, etc .... on it  )  I was told that the amount paid was not enough and they would need at least 3 months of payments from us before they would accept  one  dime for us. I repeated what I had heard. I am trying to pay what money I do have to bring us closer to being up to speed ( which I intend to be but just ca n't right now  ),  and I was told that it did n't matter if I sent them money - they would not accept it. They wanted the equivalent of 3 months of payment or they would send our close into foreclosure. When I asked to speak with a manager I was given the same line. I tried to explain the extenuating circumstances and was told they did n't care. I have money to send them. Not as much as they would like but I have money to send them. Every month they do n't take my moneyt they want yet another month 's payment to bring my account current. I am stuck in a catch 22.     I am not in a situation where I can do a short sale. I have plenty of equity, but I ca n't get up to speed because Shellpoint wo n't take any of my payments - therefore putting me farther and farther behind.     Do I have no recourse in this situation?     Thank you,
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Debt Recovery Solutions for attempting to collect an alleged debt that the original creditor has already confirmed is not owed. Despite this confirmation, DRS has continued to pursue collection efforts, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, DRS has failed to provide a valid license to collect debts in the state of Texas. After conducting a search with the Texas Comptroller, I have found that Debt Recovery Solutions is not registered to operate within the state. Moreover, their business transactions in Texas have been forfeited, indicating that they are engaging in illegal business practices. 

Attached to this complaint are supporting documents, including an invoice for damages, proof that DRS is not licensed in TX, and a copy of the account in dispute.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing inaccuracies on my credit report that have been reported by Experian. These errors have persisted despite my repeated efforts to dispute them, and they have caused me significant financial harm. 

Details of the Complaint XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) : Experian has reported that I owe thousands of dollars to this apartment complex, where I have never lived. 
I provided documented proof that I lived and worked XXXX miles away from this location during the year in question, as well as the years before and after, making it impossible for me to have incurred this debt. 
2.Vehicle Repossession : Experian has reported a repossession for a vehicle that I have never owned. 
I submitted documentation from the bank confirming that the vehicle in question belongs to another individual and is not connected to me. 

Ive done several things to resolve this, like Submitted an initial dispute with Experian, providing proof of residence and employment records for the disputed timeframe. 
Submitted documentation from the bank confirming the vehicle repossession was not associated with me. 
Followed up after Experian failed to remove the inaccurate information, only to have my dispute dismissed without resolution. 

Despite the evidence provided, these errors remain on my credit report. 

Impact on Me Denied credit applications. 
Higher interest rates on loans.

Lost business and personal financial opportunities. 
Emotional distress caused by repeated disputes and lack of resolution. 
Estimated financial loss of hundreds of thousands of dollars over the past four years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to freeze credit on their website as I have done in the past. Was directed to send sensitive documents in the mail that could only lead to ID theft. Calling is a waste of time, there menu XXXX will have you sitting on the phone for days. Why can't I freeze my credit online like I have done in past and my wife has done successfully yesterday?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote a dispute letter to CRA Equifax and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via USPS certified mail, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. After checking Equifax 's website, there are no changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, XXXX XXXX and Equifax via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and Equifax Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$8200.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This defaulted loan is being used off and on to affect credit score even though nothing has changed in 25 years but it is too old to be used for credit score every time the lender tturns it in every few years it effects my score it says it was opened XXXX of XXXX which is a lie it was opened in the XXXX
Product: Credit card or prepaid card

On XX/XX/22 I received XXXX 2 emails from Capital One for 2 different credit cards stating that they didnt remind me before they charged the annual membership fees to my card. It was also stated in the emails they would be reimbursing fees and interest charges related to the annual membership fees, youll see this credit on your statement within the next 2 billing cycles or sooner.On XX/XX/22 I received a credit for my membership fee on 1 of my cards. However as of XX/XX/22 I still have not received the same fee credit on my other credit card. In the evening of XX/XX/22 I contacted Capital One to try and see why I have not received the membership fee reimbursement as promised. I read to them the email I received from them, explained to them I received the membership fee back on my other credit card but not on this one. After getting the run around and being put on hold a couple times he then tells me the email I received was fraudulent and was a scam email. I told him thats impossible since i got the same email for my other card and I received that credit as promised. I am owed money as promised in said email from capital one and all Im getting is the run around now. This is poor business practice and I wanted to make this aware to others.
Product: Credit reporting or other personal consumer reports

Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : SETOYOTA FIN DBA OF WO Account Number : XXXX Date of Late Payment ( s ) Reported : XXXX / XXXX
Product: Mortgage

Short sale with Nationstar 1st and 2nd lien. 1st lien was set to be paid off in full and a short sale on the Nationstar second. Nationstar foreclosed on the property after giving the impression there was no foreclosure date and that they were in correspondence with the first lien. Extension to close on or before XX/XX/XXXX was issued on XX/XX/XXXX and Nationstar foreclosed on the property the same week on XX/XX/XXXX.
Product: Mortgage

In 2010 I applied for a loan modification. During the 'trial ' period I was given a payment amount to make and I paid each and every payment on time and complete as agreed until the modification was approved on XXXX/XXXX/2010. I have recently discovered that Bank of America has been reporting me as having late payments and this has had a negative effect on my credit score, dragging it down, according to my current servicer, to XXXX. I never made a single payment late nor did I pay a late charge. I recently disputed this through XXXX of the credit reporting services but Bank of America has refused to correct it. At the time I applied for the modification I was told that it would not effect my credit as long as I made the required payments. In checking the .gov relative to the modification I found that BOA was not supposed to have reported me as delinquent. I would like for you to handle this before I need an attorney. I believe that I am not the only victim of BOA in this and BOA should be investigated for this practice.
Product: Checking or savings account

Citibank does not provide an option to the account holder to close an account. Every time I need to close an account that has matured, I have to chat or call Citibank and wait for an hour to get this closed. 
This is unethical practice from Citibank not to allow account holders to close account by themselves. 
They tried to auto-renew and hold on to the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact this company NewDayUSA to help with a veterans refi-cash-out mortgage application. I was ask to lift the freezes off of mine and my husbands credit files. This company did not inform me that they were going to ask another company to pull our reports. But they did, XXXX XXXX is who they used on XXXX the XXXX and XX/XX/2021. This action cased damage to my credit score, it went down by 18, making me below average for any type of credit loan. I was waiting for this company to do an appraisal on my home before further process of the loan application. I decided not to continue to wait any longer and withdrew from the process. Then going to another veterans lender found out about my credit score dropping by 18, now it is XXXX, below average.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX New inquiries : XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX  XX/XX/year>2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2019 I have sent Experian FTC report advising on the fraudulent information reporting XXXX XXXX   and they refuse to BLOCK requesting fraudulent information. FCRA 605 B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since May and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I noticed that I had an email from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX ) telling me that I was scheduled to see cars at a car dealership in XXXX on XX/XX/19 using an old address of mine. I do not currently live in XXXX, GA nor have I lived there for the last 3 years so I was suspicious that this was fraudulent behavior. I replied to the car dealership immediately informing them that I had not requested any information from them and that no credit inquiries should be processed. On XX/XX/19 I noticed at least one fraudulent credit inquiry on my credit report. I proceeded to place a fraud alert with XXXX, Transunion and XXXX on XX/XX/19. Later when I was able to access a computer I submitted a formal identity theft report to Transunion disputing the credit inquiry that came from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am submitting this as a formal complaint against XXXX, as well as against XXXX XXXX and Transunion for improperly verifying my identity when the fraudulent report was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems reports that my SS # was available for issuance in XXXX when in fact I was born in XXXX. I sent a dispute letter over a year ago and have received no response. I just requested a new report and the I formation is still incorrect.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

XXXX $ I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

XXXX XXXX XXXX  opened up one account under my name totally fraudulently I sent proof to them that account doesn't belong to me. They were willing to remove it about 6 months ago and they did. Now a debt collector ( XXXX XXXX XXXX ) is trying to collect something I don't owe
Product: Vehicle loan or lease

Applied for auto loan with lender and was told I was pre-approved. XX/XX/2023 credit transaction was taken place after I completed the application using my personal information and security information. Called company and wasnt able to receive any help. They letter they send is in violation of my Equal Credit Opportunity Act and FCRA.
Product: Credit reporting or other personal consumer reports

I looked at my credit Report it shows on these false information they charging more on my monthly payments than Im so post to be allowed on my contract I signed & false on time pay history on some accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ), ( XXXX  XXXX  Account Number : XXXX ), ( XXXXXXXX XXXX XXXXXXXX Account XXXX ) ( XXXX XXXX XXXX XXXX Account XXXX ), ( XXXX XXXX XXXX XXXX Account XXXX )
Product: Money transfer, virtual currency, or money service

this is regarding Cash App. Cash App is a financial services platform. 

on XX/XX/year> the following took place, Cash app stole {$40.00} from me with out discussing, and for no apparent reason. 

I requested XXXX $ from a current Customer of theirs. $ XXXX. The payment was for an item. nothing illegal. 
XXXX sent the money thru the cash app as usually. 
I received a notice from my cash app that the money had been received ; and it would transfer to my linked account in 2 business days. very normal. 
I released the item I was selling to XXXX. based on the notification from the Cash App that the money had been received. there was nothing in the notice that said this was pending. 
2 days later i get a notice from Cash App that the payment they said was received on the XXXX, was canceled for my protection. " for my protection. '' no clue what that means. Protection from what??? 

I reached out to cash app, they were very unhelpful, bordering on rude. they will not speak to you, they will not treat you like a human, just a number that they can abuse. 

I finally received an email saying they received the money but sent it back, without explaining themselves. 
they made a mistake and now want me to eat that mistake. 

this is insanity at its best. i would submit this is theft of my money, they took the money from me and did what they wanted with no explanation.
Product: Debt collection

Javitch Block LLC unlawfully filed a lawsuit in circuit court beyond the timeframe allowed by the WV statute of limitations.
Product: Credit card or prepaid card

In XX/XX/XXXX I changes my main checking account. I also changed the account on the Barclays card web site to draft the new bank account. Instead in XX/XX/XXXX Barlcays drafted the account i was in the process if closing. The results was but overdraw the account.

I called Barclays customer support in the day if the automatic bank draft who said they would reverse the charge and charge the proper bank account.

Well this never happened and I was charged an overdraft fee on my bank account and Barclays charged a late fee and interest. I told them I would not pay the late fee or interest at it was their fault it was late.

Bottom line is I have an XXXX credit score and have never had this issue before. I paid by balance in full but refused to pay the late fee or interest for reasons stated.

Now they keep more late charged on top of the other late charges.

Please help. 

Thanks. 

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

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have violated my rights. 
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.