23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred from another company to Mr. Cooper XXXX months ago in XX/XX/year>. I have contacted the company multiples times about setting up biweekly payments -- XXXX phone calls, multiple times in writing, email, letter. Nevertheless the company continually makes mistakes. 

Fails to set up the payments. Sets them up wrong. Provides inaccurate advice every time I call and tells me to do something else. All the while they continue to refuse to provide any information on how much goes to principal or interest ( no amortization schedule ) or even the date due. 

The last call from XXXX I was told that these were operations errors on their part, that a payment breakdown would be provided to me and that she would fix the fact that the biweekly payments were set up wrong on the back end and set it up correctly. Instead I got hit with a late fee and the biweekly payments were stopped without my permission. 

I think this company needs much greater regulatory oversight. I worked in financial services the majority of my career and I have never seen such poor disclosure and customer service follow through related to a consumer mortgage. I recommend that the Consumer Financial Protection Bureau investigate this company. I understand many other customers with biweekly payments are also asking Mr. Cooper for this information and they are refusing to provide it ; the only reason a company would not provide this information is if they are engaged in some kind of financial fraud. 

My mortgage was transferred to this company against my will and I would like to ask the Consumer Financial Protection Bureau to help me mediate with this company as all my attempts to resolve this situation have met with failure or blockage by the company. 

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

Credit card account ( XXXX ) account information detailed in XXXX XXXX is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

had a car loan with bank of america in which was paid off XX/XX/XXXX but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also
Product: Credit card or prepaid card

Capital One refuses to let me pay off my account as payments fail each time it tries to process. Payments were attempted in XXXX on the XXXX of 2023 and XX/XX/XXXX of 2023 in the amount of {$200.00} each. While I am patient and willing to give them the benefit of the doubt, as well as take responsibility for paying this debt off, when I tried to call in it would absolutely not let me connect to a live human being who could tell me why the payments failed on their end. They do not have an option to pay by debit card, and I do not have technical issues with paying my accounts off anywhere else. I have issued a dispute with XXXX as I feel I am not legally obligated to pay off a debt to a company that does not appear to employ any actual human beings, and is therefore unable to respond to issues reported by actual human beings. This is my last attempt to reach a solution in case the above fails, I should not have to be begging at their doorstep to pay off my account balance each month.
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 : USDOE/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 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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
Violation # 1 XXXX XXXX XXXX - XXXX HARD INQUIRY XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 
Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 
Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 
Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Money transfer, virtual currency, or money service

I am filing to 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 to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute 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: Credit reporting

I disputed XXXX XXXX for the amount of {$320.00} & {$520.00} on my credit report as I paid the original creditor XXXX XXXX XXXX XXXX and it should have never went to collections. I contacted original creditor XXXX XXXX XXXX XXXX who had reported it to check cashing agency XXXX. Once I contacted XXXX, they agreed and had XXXX remove from my file and reinstate my check cashing privileges ( see Attached ). I contacted trans-union to have them remove from my credit report stating that I paid the original creditor and it should have never went to collection agency. Trans union sent letter stating that XXXX XXXX will not delete and says information is correct. I contacted XXXX XXXX and told them I had paid original creditor and this should be removed from my credit report. XXXX said that XXXX was the one that reported it and they were working on their behalf. I called XXXX and they sent me a letter stating it had been resolved and removed from my file. I sent letter to Trans-union and XXXX. ( see attached ) Trans-union just informed me that XXXX will not remove because it states now that trident bought it from another agency, XXXX that is not on my credit report and new to me. XXXX also sent me a letter stating that they bought this account from another agency. They are reporting false information and I have proof that the checks were paid and resolved according to XXXX. ( see attached ) I have no knowlege of another agency because the XXXX said they only report to XXXX. This trident agency is a scam because I paid these checks already and they are refusing to delete it off my file. It is not my fault if they bought an account that had already been paid for, I should not have to pay twice for there mistake!!!
Product: Credit reporting or other personal consumer reports

In my follow-up complaint today, I am providing an update on my recent complaint. According to FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX in my case. I have attached documents to facilitate the removal of inquiries that are inaccurately posted on my credit report. The following list comprises inquiries that do not belong to me or were opened without my permission : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to expunge any items in the file of a consumer identified as information resulting from an alleged identity theft, within 4 business days of the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with Experian : Disputed Items : XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Debt collector from Triple A collections from XXXX XXXX, SD. I believe that was the company name. Their phone number is ( XXXX ) XXXX. They mentioned the bankruptcy before I did and still tried to collect on the debt. The debt is from XXXX XXXX. The amount is in excess of {$2000.00}.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :
Product: Debt collection

Im getting repeated phone calls daily to my job. Ive spoken to several people at the company and told them only to contact me at my cell phone
Product: Credit reporting or other personal consumer reports

I wrote to the 3 credit reporting agencies XXXX, Equifax XXXX XXXX XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. Equifax wrote me a response XXXX, XXXX XXXX, & XXXX all are saying the information is accurate
Product: Debt collection

I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..
Product: Credit reporting or other personal consumer reports

I re-applied for mortgage assistance applications for all three loans ( Loan # XXXX, XXXX, and XXXX ) with Western Alliance Bank ( WAB ) on XX/XX/XXXX. Nevertheless, during the process of application review, WAB reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all three loans. I would like to have WAB to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for two loans ( Loan # XXXX and XXXX ) with XXXX XXXX XXXX on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, XXXX XXXX XXXX reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have XXXX XXXX XXXX to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan # XXXX ) with XXXX XXXX  in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, XXXX Bank reported the late payment in XXXX for XX/XX/XXXX. I would like to have XXXX XXXX  to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.
Product: Credit card

Company wrote of balance as a tax break. Has not provided 1099c to me.
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 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. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.
Product: Mortgage

XX/XX/XXXX we mailed in our XXXX payment. XX/XX/XXXX they called and said they didn't receive it. So we mailed in another payment. XX/XX/XXXX they called and said they didn't receive either payment. We checked with the bank and nothing had gone through so we did a check by phone that they charged us {$9.00} to do. XX/XX/XXXX we mailed in our XXXX payment. Then we found out on the XXXX or XXXX that they processed 3 of the payments and overdraft our accounts. We put a stop payment on the other check. The phone in payment showed up on our bank statement as XXXX. They can't find that payment and I explained it to them a couple times. The payments are XXXX.
Product: Mortgage

In 2021 I did forbearance with Wells Fargo mgt company. I received a grant that paid majority of the forbearance amount off. I was told that it would not go on my credit report as being a late payment however I just found out Wells Fargo reported the forbearance as late payments and it has impacted negatively on my credit report. Also Wells Fargo told me the forbearance would go on the end of my mgt but they modified my mgt loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX trying to collect debt that i never signed and services provided misrepresentation and fraud. 

I requested to resolve this solar issue, for a single-family home for {$65000.00} not appropriate solar panels are less than {$15000.00} for a single home like mine. 

Its just fraud misrepresentation I can not pay to the solar and electric companies for the same service. XXXX or XXXX XXXX XXXX never tried to resolve the issue. 
XXXX XXXX disconnect solar panels since XXXX XXXX, 2024. My electric bills much less than with solar before solar my bills were much lower than with solar. 
There no use of having solar panels its just pain
Product: Vehicle loan or lease

Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX, XXXX, GA. 
Selling price XXXX I put a down payment of {$2000.00} towards the car.. I can not see where I was credited for this amount. I thought this would have been deducted from the selling price before all the extra charges were added. It was not done that way. So when they added on the extra charges, plus finance charge of {$4600.00} amt financed is {$16.00}. Finance rate 7 % My mother and I thought they would have deducted {$2000.00} from selling price XXXX + tax, reducing price to {$10.00}, before adding on the extra charges. So I took the car back 2 or 3 days later, spoke to manager told him I can not afford car. They can not cancel loan. But offered to buy back car, and appraised it for {$11.00}, told me can not return my {$2000.00} down payment. 

So now I am stuck with a loan of 75 payments at {$280.00} monthly, I can not afford from a monthly XXXX income of $ XXXX monthly. Please help me understand this.
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 identity ( 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: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.