23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I will start with the closing process. Although this entire refinance experience has been a nightmare since THEY reached out to me to refinance. 

On XX/XX/XXXX, I went to closing. A notary came to my home at XXXX XXXX. ( because LoanDepot messed up my closing for the day before ). While signing the documents, I realized the amount due to me was incorrect. I immediately called a manager ( XXXX XXXX XXXX that I had been dealing with ( because my loan officer had already dropped the ball numerous times ) and he assured me, that if I gave the notary a voided check, that after my 3 day wait period, the funds would be in my account. 

My refinance should have funded at the very latest on XX/XX/XXXX ( due to the holiday ). Since I had not heard anything, I called my loan officer XXXX XXXX on XX/XX/XXXX and I called XXXX XXXX 's manager, XXXX XXXX and left him a message on his cell phone. I spoke with XXXX XXXX on XX/XX/XXXX, who told me she had been out of the office due to the holiday and assured me she would call me back that day. 

I called HER back on XX/XX/XXXX and she stated it was the title company holding this up because of my name change and divorce. She would have someone call me from the title company. On the same day, XX/XX/XXXX a XXXX XXXX called me from Closing USA and informed me they had a question for XXXX due to my name change/divorce. I explained to him that when my divorce was final, I went back to my previous name, which I sent XXXX XXXX all of the legal court documents ( divorce papers/name change on XX/XX/XXXX and XX/XX/XXXX in an email ( which I have ). I told him like I told her in XXXX, there was NO property settlement agreement which the decree states. I also told him, if they still had an issue, I should have never been allowed to close. I told him XXXX has these documents. He apologized numerous times and stated he would reach out to XXXX and would get it done asap, as they did not want to hold this up for me any longer. 

On XX/XX/XXXX, I called XXXX XXXX at Closing USA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 's manager who I called in the past and she has never returned any calls ), XXXX XXXX XXXX Director of the refinance department ) a Mr. XXXX XXXX XXXX 's boss ) and XXXX XXXX. ALL of which have not returned any of my calls. 

I emailed all of them this morning XX/XX/XXXX. No response yet ... 

There should be something done with their lack of response. As stated my loan still has not funded ... way past the 3 day waiting period. Please let me know what can be done.
Product: Credit reporting or other personal consumer reports

I have reached out numerous times to XXXX XXXX in regards to a 30 day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late XXXX during the Covid 19 Pandemic and I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX that information including a copy of the Cares Act/ Heroes Act section 110401 stating negative consumer credit reporting this time is suspended due to no fault of my own.
Product: Consumer Loan

On or about XXXX XXXX, XXXX we learned that Castle Credit had placed a lien on our property in XXXX. On or about XXXX XXXX we began contacting Castle Credit by telephone. During the initial call on XXXX XXXX and in several calls since then, we have explained to various representatives at Castle that we are in the process of selling our home and would like to get this matter resolved quickly so that we may close on our home by XXXX XXXX. In the very first conversation with Castle, we were told that Castle no longer owned the debt associated with the lien and because they no longer owned the debt they could not provide us with any information regarding the debt, including the balance. In each subsequent conversation with Castle, we have asked Castle to either release the lien as, per their own admission, they no longer own the debt associated with the lien or provide us with the amount of the debt we allegedly owe ( see call log attached ). While we have been repeatedly told by Castle that they no longer own the debt, Castle has continuously refused to release the lien with most recent conversation ending when the Castle supervisor abruptly hung up on us. At the same time, Castle has also refused to provide us with any information of the alleged debt, most particularly the debt amount. 

We simply can not be held hostage by Castle. This action or blatant inaction by Castle has the potential to prevent us from completing the sale of our house and cause us great emotional and financial distress. We have had no choice but to explore our various options of recourse. We have contacted counsel and have been advised we can file a Quiet Title claim and seek recovery of our attorney 's fees. We were also advised to file this complaint Consumer Finance Protection Bureau as well as the North Carolina Department of Justice Consumer Protection Division and the Better Business Bureau.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX, has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$910.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!
Product: Checking or savings account

On XX/XX/22, I deposited my payroll check into my Chase bank using the ATM. That night I called the bank to inquire about the availability of the funds for my account, I was told the funds would be available the next day. The next day I checked my account and the funds were not available. Again, I called Chase bank to inquire about my payroll funds being released and was told it would take 6 days to receive my deposited funds. I requested to speak with a supervisor and XXXX called me back to tell me that even though my employer, the XXXX XXXX XXXX banks with Chase and I bank with Chase I would have to wait until the check was paid before I could have my funds available in my account. He stated it was a discretionary decision and after reviewing my account the decision was made not to release the funds even though the payer and payee both bank with Chase. I sincerely believe this was a discriminatory decision not necessarily a discretionary decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX Balance Owed XXXX {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I have reached out to Experian already about this XXXX account that's reporting on my credit report. XXXX does not own this account anymore. Please remove this account from my credit file immediately. Experian is violating the FCRA. A company can not report an account they don't own. XXXX is still reporting a balance and does not own this account. Please remove this account immediately Experian.
Product: Credit reporting or other personal consumer reports

I used to have a gym membership in XXXX, CA prior to the pandemic with XXXX XXXX headquartered on the XXXX XXXX. Back in 2020 when the pandemic brought everything to a screeching halt, the entire economy closed down, all gyms closed down, and we were sheltering in place, I attempted to close my gym membership. I spent weeks trying to contact the company, but they were playing games and intentionally making it impossible for consumers to cancel their accounts ( some type of corporate damage control tactic ). I must have spent 20 hours and finally got in touch with someone back east. They said they would cancel my membership, but they didn't. They continued to charge me, even when the gym was closed and unavailable, and in spite of my closing my account. Then much later I find out that they put a collection on my credit file ( this should be completely illegal for corporations to abuse their power like this ). I understand this was a difficult time for business, and desperate times call for desperate measures, but this display of corrupt, unethical, corporate behavior is beyond ridiculous. I filed a complaint with the credit bureaus ( certainly some of them ), and was told that the company would remove the collections. In the meantime I disputed the collections and put a comment on the file. I go to check my Trans Union report and the collections is still there. Is there no recourse for a consumer against this level of corporate corruption, and abuse?!
Product: Debt collection

Transunion, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal credit reported my account as 30 days late after they returned my payment for no reason. I make my payment every month but they keep returning it. When I called my bank to see if there was an issue with my account I was told the funds were available and PayPal were the ones that returned the payment.
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 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 redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In response to my complaint XXXX You responded XXXX service the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 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 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, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX  XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Product: Credit card

I am XXXX XXXX XXXX living on a monthly XXXX XXXX payment of {$2700.00} per month. My wife XXXX XXXX last XXXX as a result of a XXXX and now I do not have the added income of her social security or pension. I have called Capital One at least XXXX times since she passed away asking for a reduced interest rate so that I can attempt to pay off the principal balance in my lifetime. I have also written two letters to the Capital One CEO. I have received phone calls but every representative states they do not offer reduced interest rates and they try to trick me into paying the now late fees and additional penalties by setting up automatic payments. I am not exaggerating when I say that I have spent XXXX hours no the phone trying to resolve this. I do not want to walk away from this financial commitment, but I can not pay the almost 30 % interest rate. Capital One representatives have told me to call back EVERY DAY to see if they have any new programs I can benefit from. I need help! I need someone to intervene and contact Capital One because I am getting no where with my calls and letters.
Product: Consumer Loan

My car was stolen and the company stated my account would be closed. I had insurance why is this company now reporting I have a charged off account and owe {$16000.00} and I 'm past due. Please help me this is not right
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 the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the  accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,
Product: Debt collection

Back in XXXX of 2016, XXXX XXXX posted negative information on my credit history. I disputed with Equifax on XX/XX/2016, and the negative information was removed from my account on XX/XX/2016. Equifax gave me confirmation # XXXX after deleting the negative information from my credit. After one year, the same negative information reappeared under a different collection agency ( XXXX XXXX XXXX ). I filed a complaint with CFPB about Equifax. Equifax responded that the negative information reported by the XXXX XXXX XXXX was removed from my credit report. Check complaint # XXXX on the CFPB site. The same negative information reappeared for the third time under a different collection agency ( XXXX XXXX XXXX ). I have never received notice of Equifax 's reinsertion on both the second and the third time as the law requires it.
Product: Mortgage

XXXX XXXX I applied for a hafa short sale at Select Portfolio Request request the told me my loan qualified for he HAFA short sale and they would have debt forgiveness and relocation money They told me to hire a realtor to process the short sale He gathered all the documents that Select Portfolio required they where upset that I listed my House with an outside agent from their companyXXXX-XXXX-XXXX we submitted an offerXXXX/XXXX/XXXX BPO completed Value XXXX ( select Port folio said Investor will not take less the {$250000.00} What ) we have a problem with valueXXXX/XXXX/XXXX sent service er update information in regards to Hafa Short saleSelect Portfolio has never sent Counter has never sent us approval to participate/XXXX/XXXX/XXXX submitted counter with repair billrequested a value varianceXXXX/XXXX/XXXX Select portfolio said the Investor they do n't want her on the HAFA short salewould not give a reasonprinciple loan XXXX set aside XXXX Property value XXXX why would they want {$250000.00} we have escalated the file the loan servicer refusing to help they have not been honest with me, they have Not given us Tangible Information, the have been very deceiving with me and deceptive please help
Product: Credit reporting, credit repair services, 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 : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.