23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I became XXXX in XXXX. My original lender was XXXX XXXX Due to my XXXX I recieved lower monthly payments. My mortgage was transfered without my knowledge to Fay servicing in XXXX. I continued making the lower monthly payment amount on time to Fay servicing. On XX/XX/XXXX I recieved a notice in the mail from Fay sevicing stating that my loan will mature XXXX XXXX. I had no idea of this. I called Fay servicing seeking some type of assistance with this XXXX XXXXumbo payment, which is now due XX/XX/XXXX. I recieved paperwork dated XX/XX/XXXX to complete a loan modification paperwork along with a hardship letter, XXXX XXXX. It was denied on XXXX XXXX because the invester did not participate in this program. I recieved paperwork dated XXXX XXXX to complete a loan maturity Extension application. I completed the maturity Extension application and fax it to Fay servicing on XXXX XXXX Fay servicing denied receipt of this application and a second Loan maturity Extension application was faxed and emailed on XXXX XXXX. I recieved verbal comfirmation from Ms XXXX, she went on to say the Loan Application was sent to me in Error. This is why I would like to file a complaint with your office. She was unable to tell me why it was sent in Error and there was no supervisor or manager available to help me understand this. I asked Ms XXXX if she could transfer me to XXXX XXXX, Vice President of Fay servicing, after a few moments she returned to the call stating that MrXXXX was not available. I would like Fay servicing to stop giving me the run around and honor the Maturity Extension. 
Your immediate attention to this matter is greatly appreciated Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX, XXXX, and XXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX Open date : XX/XX/XXXX. AMER FST FIN Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX, XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and protect fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval. 

XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am a victim of fraud. An individual pretending to be a landlord requested two wire transfer 's, first transfer for {$4200.00}, second transfer for {$3700.00} for a total of {$7900.00} to cover a rental deposit and three months rent. I regrettably initiated both wire transfers from my personal checking account at XXXX XXXX  XXXX. The first wire transfer was sent on XX/XX/2018 and the second wire transfer was sent on XX/XX/2018 to an account with Chase Bank. I am submitting this complaint to seek aid in receiving a refund. I sincerely appreciate your time and attention to this. Please let me know what additional information I can provide.
Product: Debt collection

I am submitting this complaint because I received a notice from TRANSWORLD SYSTEMS INC regarding a debt I allegedly owe. I have requested debt validation from the creditor, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), but they have failed to provide sufficient documentation to verify the debt. Specifically, I requested : Proof that I am legally obligated to pay the debt. 
The original creditor 's name and contact information. 
A breakdown of the debt, including any interest, fees, or additional charges. 
Documentation proving their authority to collect the debt. 
Despite my request, I have not received the necessary documentation to confirm the legitimacy of the debt, nor has the creditor provided a clear response. As a result, I believe this debt may not be valid, and I am requesting that the CFPB investigate this matter and assist in ensuring that the creditor complies with debt validation requirements. 

I also request that the creditor cease all collection activities until they can provide proper validation, and that they remove any inaccurate reporting of this debt to credit bureaus.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX Account : XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency is violating my consumer rights by using misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has blacklisted me internally from filing disputes online and via mobile devices. Also unable to use experian upload. Was told this matter can not be corrected and unable to speeak to IT dept and recorded conversation with agent. Reported issue for MONTHS to experian and they have refused to assist me, the recording is the proof. My account is reporting with a balance and the account is XXXX and causing me to be penalized with finances/loans and etc. RECORDING CAN BE PROVIDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Previously disputed on XX/XX/XXXX. Verified XX/XX/XXXX. Method of verification requested on XX/XX/XXXX. As of XX/XX/XXXX I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under my social security number there is another person called XXXX XXXX. I have never known this person in my life.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute with equifax 6 times for a fraudulent collection made against me. I have submitted supporting documents that prove that the collection is a fraudulent charge. The dates for dispute are as follows XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24. All disputes made with supporting documents that prove the legitimacy of my dispute. Showing the contract, dates of execution, and when the contract was terminated as per the agreement. Every dispute has been met with no explanation on how the results were verified, other than the employee reps repeating that my name was in the collectors system so it must be accurate. At this moment I have no way to dispute as the equifax will instantly complete an investigation without actually investigating. Every dispute instantly voids itself upon phone disputes, online disputes, and mail in disputes. As of now I can't even dispute anything on the equifax website as the website currently says the collection is under dispute when it is in fact not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Former address is incorrect. 

Equifax Former Address XXXX XXXX XXXX XXXX CALIFORNIA XXXX Equifax I have never lived in California and I believe this address may be connected to someone who lived there stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has falsified information violating my right to credit. They have continuously created false inquiries which they have no authorization to, and shared information publicly by doing business with corporations. As stated on the transunion credit report as of today XX/XX/XXXX I have a total of XXXX inquiries : 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

I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
Product: Vehicle loan or lease

This has been an ongoing problem with end in sight. I was involved in a car accident, where I was rear ended and my vehicle was a total lost. The insurance company paid off my car loan and everything was clear. After the car paid, I see this charge on my credit report. I contacted the loan company, they informed me that the charge was sent to collection and they had no information about the loan. I filed a complain with the credit agency and this is the result, " Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ''. 

I have no idea what to do, I have asked for a bill, to explain this additional charge and have not received anything. I did not receive a statement from this loan company after the insurance paid them off. 

I ask for assistance in this matter. The loan company is refusing my request and continuously put me on hold and disconnect the calls.
Product: Credit card or prepaid card

During the summer I began getting calls from JPMCB Card services, XXXX XXXX XXXX XXXX Delaware, XXXX. On the first call, I picked up, and the lady explained to me it was Chase and that my account was due, I said I didnt think I had a chase credit card, she said her records said I did and that she needed some information. She asked me for some identifying information, but when I got the part of her asking for my mothers maiden name, I froze, and told her I would be calling Chase Credit Back. 
I called Chase Credit Services, and was told that I did not have a credit card open with them or a balance, and was told that this was fraud and I was transferred to the fraud team. When I told them the number where the call came from ( XXXX ) XXXX, the fraud representative said that was not a Chase number. 
JPMCB Card Services, masquerading as JP Morgan Chase, put {$400.00} on my credit report and did so fraudently. I checked online and JPMCB is actively engaged around the US in fraudently putting charges on peoples credit reports.
Product: Checking or savings account

Citi Bank fraudulent practices I opened Citi Bank account in response to Citi Bank Promotion to open certain account with certain deposit for {$700.00} reward. I met the terms : Citi Bank never paid the reward, withheld improperly {$30.00} fee for " not providing social security number '' per Citi, then refunded {$8.00} out of {$30.00} and sent me a statement that I owe IRS {$11.00} earnings which they never paid to me either. 

I am trying to resolve fraudulent financial operations with with Citi Bank for almost 5 months now with no avail. 
Please help.
Product: Mortgage

In XXXX of XX/XX/XXXX our mortgage was sold by XXXX to Nationstar Mortgage. There was no notification that this was taking place, so payments were made to XXXX until we recieved a notice from Nationstar dated XXXX/XXXX/XX/XX/XXXX and that notice stated that the amount due {$2000.00} and that amount was due XXXX/XXXX/XXXX. That amount consisted of XXXX payments of {$1000.00} and a late fee. These payments were made to XXXX on a timely manner but were not transferred timely. We also applied for a loan modification through Nationstar during XX/XX/XXXX which was eventually denied. In XXXX of XX/XX/XXXX they paid our property taxes, without our knowledge or consent, which we had also paid, resulting in a duplicate payment that we were notified about. Then the calls started to Nationstar to fix the Escrow account they opened to recoup the taxes they had paid in error. They would take the monthly payment, which was received on time, and would put that into a suspense account. When there was enough money left in that account after some of it going towards the taxes, they would make a payment for the mortgage. This would always result in our mortgage payment being late, they eventually had our account with a pastdue amount of 3 months.. They finally admitted that the escrow account had been opened in error. And they were to correct the error on our account to make it current and correct on our credit rating. They are currently showing late payments from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX Part of this is the payments made to XXXX but not transferred to Nationstar and part of it because of the escrow account they opened in error. In summary, we have attempted to get Nationstar to repair our credit report, to be able to go and obtain a new mortgage at a lower interest rate.
Product: Debt collection

This company, Phoenix Financial Services, has harassed me by multiple phone calls despite asking them to contact me via USPS mail, they have used vulgar and disgusting language and they call my relatives relentlessly. They will not tell me what the debt is allegedly for unless I confirm my personal information with them, however I will not do that as I do not know who they are or if they are a real entity. 
Recent calls : XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX, XXXX, XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ( 2 calls in the same minute ) XX/XX/2020 @ XXXX There are more calls, however I cleared my call history and the above are the only ones I did not delete. Their " employee 's '' are rude, nasty, yell at you and use vulgar language.
Product: Debt collection

XX/XX/XXXX contacted XXXX XXXX XXXX : XX/XX/XXXX, contactedXXXX XXXX both times asking for the Original Purchase Agreement signed by all parties involved sharing my personal information ; Account sold to : XXXX XXXX XXXX XXXX XX/XX/XXXX asking for Original Purchase Agreement; XX/XX/XXXX XXXX XXXX XXXX asking for original purchase agreement; XX/XX/XXXX XXXX XXXX XXXX asking for original purchase agreement and to cease collection. I have been asking for the past 5 months and still nothing; selling my personal information to people I dont know. Amount is {$620.00}.
Product: Credit reporting or other personal consumer reports

Hello recently Equifax updated 3 accounts on my credit report with incorrect information. The date of major delinquency was updated on tradelines for XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX as XX/XX/XXXX which caused my score to drop over XXXX points. The date of major delinquency on these accounts should reflect when those accounts were first charged off. Updating them to XX/XX/XXXX gives the impression I am delinquent once again which is not the case. I submitted a dispute with this information on XX/XX/XXXX in which it did not fix the issues. The case number with Equifax is XXXX. I spoke also to a supervisor explaining the issue in which he promised it would be investigated and corrected. This is a known issue with Equifax that is completely on their end that needs to be fixed. 

I am not asking to update the dates of first delinquency reported. I am asking to update the date of major delinquency which is reporting incorrectly.
Product: Checking or savings account

Dear honorable respected Management, For my bank of America checking accounts- I am not able to withdraw money and my auto pay stop working and got returns of many payments. 

I talked to hundreds of people on customer service phone number and also visited bank of America branches in person but no one helped me so far. 

Lots of my bill payments are past due and this is damaging my credits. I dont want to reduce my credit scores and dont want any negative records. 

Please contact bank of America urgently today and ask them to remove all restrictions. 

Please call me urgently. 

Thanks a million! 
My name : XXXX XXXX My home address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX My Cell Phone no : XXXX
Product: Debt collection

I've received a response from Progressive MGMT Systems they stated " this account is for services rendered to your spouse XXXX XXXX for this reason you are listed as a financial responsibility party on the account ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXXXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -XXXX  XXXX. 
XXXX XXXXXXXX Date Opened : XXXXBalance Owed : - XXXX XXXX. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX. 
XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX
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 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 correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}
Product: Checking or savings account

On Friday, XX/XX/year>, I went to a TD Bank branch to open a savings account and deposited three checks into the account. These checks totaled over XXXX. They were : Two checks of {$63000.00} each One check of {$63000.00} These were checks I received as a beneficiary of my father 's retirement account following his passing this year.

The branch location : XXXX XXXX XXXX XXXX, XXXX, NY XXXX At the time of opening the account, I requested online access and was provided with a username and password combination.

After the account was opened, I attempted to log in multiple times on XX/XX/XXXX and the following days. However, I repeatedly received an error message instructing me to contact TD Bank 's customer service at XXXX. I could not access the account or confirm the status of my funds. This is very concerning as I do not know if anyone is using my funds or where the money went. 

On XX/XX/year>, I called the number provided and spoke to two representatives. I explained the issue and emphasized the urgency of accessing my account and funds. The first representative transferred me to the fraud department. I then spoke to someone named XXXX, who told me that she could not resolve the issue remotely and instructed me to visit the branch in person.

As I am currently traveling, visiting the branch is not feasible. I need access to my funds to cover travel expenses, and I find the lack of resolution unacceptable. Despite my efforts to resolve this matter over the phone, I have not been able to gain access to my account or receive any clear explanation of the problem.