23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I XXXX XXXX was a tenant at XXXX XXXX apartments. I am a veteran of the armed forces. I qualified for housing assistance under XXXX, I had taled to the landlord about my transferring over to the XXXX to began to make my monthly payments. at the time I was behind on my account with park towers so I was instructed by the landlord that I would have to clear up any and all delinquency on my current account. I agreed and then proceeded to sign up the housing assistant at the XXXX branch of XXXX. I also received assistance from another veterans assistance organization, this organization proceeded to pay the balance in full on my account at XXXX XXXX Apartments. then the following month when the next months payment for rent was due the landlord refused to accept the section XXXX volcher. XXXX XXXX the owner and landlord after we had previous discussed this matter just up and refused to accept the section XXXX voucher this put me in a bind. XXXX XXXX had also discussed this issue with XXXX XXXX the represenitive at XXXX of XXXX Texas. I had no notice of there being a revision in our verbal agreement that included then acceptance of the section XXXX voucher for housing assistance for XXXX XXXX XXXX XXXX the tenant in question. there were or was no eviction process at all. I never went to court for an eviction in regards to my being evicted. I did not volunteer to terminate my lease at XXXX XXXX XXXX, at XXXX XXXX XXXX apartment number XXXX, XXXX XXXX breached a verbal agreement to void the current rental lease agreement and enter into a new rental contact that would include the acceptance of the section XXXX voucher from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX the tenant. XXXX XXXX reported this adverse information to the credit reporting agencies with prior knowledge that it was fabricated and untrue. I have been advised that the information reported by XXXX XXXX has/is/ and will cause there to be continuous rejection and denial of requested terms of credit.
Product: Credit reporting or other personal consumer reports

I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXXXXXX XXXX that has been paid off and carries a XXXX balance since XX/XX/XXXX. At least once a month I get a XXXX XXXX alert that my credit score drops XXXX points. I go in to check it and it's the XXXXXXXX XXXX XXXXXXXX card and they keep changing the XX/XX/XXXX payment to " late ''. This happened thru XXXX once, I disputed it and they corrected it. This has been going on with Transunion now at least 4 times. I see it, I dispute it, and it gets corrected. Three weeks later the exact thing happens again. This last time I received an email from Transunion stating that the information is correct. How can I have a late payment in XX/XX/XXXX when the account was paid in full in XX/XX/XXXX? There's was no payment to be made in XX/XX/XXXX to be marked as late. I contacted XXXXXXXX XXXX XXXX and they said they have no record of the issue. I tried contacting XXXXXXXX XXXX and can't even get somebody on the line to talk to. I'm getting tired of dealing with this issue every month.
Product: Checking or savings account

I have been attempting to close my account since early XXXX. With Multiple calls and continued reasons why, this account can't be closed due to self-induced bank fees. First call, the representative said he would close the account, in which the account ATM card is no longer in service and can't transfer any reminding balance out of the account. Second call, the account went negative although there was a positive balance and the {$30.00} overdraft fees were waived. XXXX XXXX, the account was positive {$8.00} dollars but was over drawn due to Bank XXXX XXXX and explained to the representative. The account has overdrawn by {$11.00} dollars, Negative. Customer service refused XXXX ) Talk to a Manager 2 ) Request a call back from a manager 3 ) Talk to the Office of the President. There are no charges on this account. There is no autopay 's debiting. The Bank simply won't close the account until I pay their self-induced bank fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, XXXX-currently, I contacted XXXX XXXX XXXX ( XXXX ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with XXXX and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows an account on my credit file that does not belong to me by XXXXThis is not my account. Also, XXXX, XXXX, and ExperianXXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.
Product: Mortgage

Beginning XX/XX/XXXX, I began paying {$650.00} every two weeks in an effort to pay this loan off within two years. The P & I due for the loan is {$520.00} thus adding XXXX in additional principal every payment. My loan documents clearly state that there is no prepayment penalty on the loan nor do the document indicate there is a limit as to how far " ahead '' I can pay the loan. While I understand that partial payments are placed in suspense to be applied when a full monthly payment is received, each time my bank has sent {$650.00} the total amount has been placed in such suspense and then ultimately applied as a principal only payment which was not the intended application of payment. I was able to adjust several of these payments to P & I plus additional interest until XX/XX/XXXX. I called to have the XX/XX/XXXX and XX/XX/XXXX payments reapplied as Regular payments plus additional principal and was told that " the investor of the loan does not allow the loan to be paid more than three months ahead ''. Therefore, two of my payments were not accurately applied which caused the next payment made through their site to reflect a full month of interest accrued all because they did not want to apply the full payment accurately. I asked who the investor was and did receive a written statement stating : XX/XX/XXXX Dear XXXX, This letter is in response to your recent inquiry regarding the above referenced account serviced by Shellpoint Mortgage Servicing on behalf of NewRez LLC XXXX Shellpoint Mortgage Servicing, the owner of your loan. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX We are working to gather the requested information and will forward it to you as soon as possible. 

That's the last I heard. 

I was also told that if I scheduled my payments online that they would also be applied as principal only payments. This is not true. I have successfully scheduled XXXX payments for {$650.00} allocated as XXXX P & I plus XXXX additional principal with appropriate regular payment application on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX. 

Therefore, it is quite clear that Shellpoint/NewRez is forcing me to use their online payment system to appropriately apply my payments rather than take the payment through my bank 's online payment system and appropriately applying it. This is unreasonable. Any payment that my bank sends that meets or exceeds my P & I payment of XXXX should be applied as a regular payment. The statement that the investor doesn't allow the loan to be paid more than XXXX months ahead is clearly false... worse yet if it is true then that is, in fact, a type of prepayment penalty that is disallowed by my loan agreement.
Product: Debt collection

i paid a debt one time charge for my daughter and then XXXX XXXX XXXX, XXXX WI took the money out of my account 2 more times and I received overdraft fees ( which I never had OD fees in this account ) They told me they were going to reverse it and they have not. I tried to tell them what happened and they said they were going to reverse it and reimburse my od fees and they never did. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I sent BTC Bitcoin to my CashApp account digital wallet.

Upon sending the BTC, CashApp received the funds. After receiving the funds, CashApp rejected the transactions.

As soon as I noticed each transaction was rejected, I immediately logged into my CashApp account to reverse the transaction and send the BTC back to the initial sending wallet.

After a week passed I still hadnt received the funds and reached out to CashApp support. Now going on over a month, the transactions are still pending on the blockchain because CashApp processed the two transactions with a few less than the minimum amount required and or suggested to be processed. 

I asked CashApp to rebroadcast the XXXX transactions using a service called XXXX XXXX for Parent, but Cash App said they dont do that and I would need to wait until the transactions are done being processed on the Blockchain. 

I have tried to resolve this issue for weeks, reached out to the support team by phone and email. I am unable to get this matter resolved. 

I am currently missing approximately {$500.00} due to these XXXX transactions that CashApp processed without paying the appropriate fees. 

Now I am late paying my credit card payment and have XXXX money until I get paid from work.
Product: Debt collection

I have identtified information on my cosumer reports that are a result of identity theft. I did not consent to, authorize nor benefit from the accounts. Please block and remove said information pursuant to 15 usc 1681c-2. XXXX. CREDENCE RESOURSE XXXX, XXXX. XXXX XXXX XXXX these corporation have obtained my information under false pretenses and are in violation of the ( FAIR DEBT COLLECTION PRACTICES ACT ), ( FAIR CREDIT REPORTING ACT ) and ( ELECTRONIC FUND TRANSFER ACT ) in their attempt to collect an alleged debt not owed. Because of said corporations False and misleading representaion, and statements that are untrue.It have caused severe damages to my reputation, emotional distress, and loss of job. I Demand said corporations to Cease and Desist I refuse to pay the alleged debts. Pursuant to 15 usc 1692c ( c ). I am also requesting the name and address of the Original creditor Pursuant to 15 usc 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
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 XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed
Product: Debt collection

Multiple violation of FDCPA. Thinking that offering 50 % is going to get someone to pay. And. Sadly I'm sure they are getting more than a s few.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Mortgage

Select Portfolios SPS and XXXX has there atty send a letter saying there is litigation s There is no litigation s I have filed prior with CFPB. But no help! 
I have no Atty., SPS SAID IN XX/XX/XXXX that I need to send new modification application because XXXX did not send my application with approval. 
I submitted to SPS 5 loan mod application and the keep denying the 1 st one took about 1 year then SPS SAID mod program only goes up to $ XXXX, my debt was discharged in bankruptcy in XX/XX/XXXX so there is no debt, but XXXX and SPS KEEP trying to collect the {>= $1,000,000}. Loan bal. when I apply for mod. 
SPS Ombudsman dept. Told me I was denied do to no pay check stubs were provided, I told them I makes box self employed and attached P and L and 2 year taxes.
The SPS agent told me get a year to date p and l I did same day and payed my PA {$500.00} to fast track it, Sps said you 'll have to wait to week prior to sell. 
XXXX and SPS ARE LIARS, AND THEY NO CFPB RULES TO AVoid compliance, it 's My understanding they were caught transferring service right s to avoid compliance with National Morg. Settlement and yet they took a credit prior to transferring my loan. 
XXXX even sent me a letter the loan was paid in full Accounting errors and after XXXX XXXX phone calls
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to how they got there. My usual credit check revealed unexpected discrepancies. Refreshing my browser didnt fix it, confirming it wasnt a glitch. Im really upset about this and urge you to carefully review the documents Ive sent to ensure this issue is fully resolved.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Checking or savings account

I recently opened a account with suntrust Bank on XX/XX/XXXX it was closed on XX/XX/XXXX with {$1100.00} as my balance its been over a week and the bank keeps telling me that its in the process of closing but other than adding money I did no activities on the account.i am on the verge of losing my place and employment because I can not pay my rent that was my rent money.i expressed this over and over to numerous representatives and all they can say is they don't know when it'll be done.i need a hold lifted or something because I did business with them with good faith and now im being XXXX over because I trusted this bank..please help
Product: Debt collection

XXXX XXXX XXXX are relentless, they call my phone up to 12 times a day, and they have NEVER left a voicemail, so I dont know why they keep calling me. The only reason I even know its them is because I have to Google what number is calling me 10-12 times every single day. And then they call me today and threaten me with a fraud and a lawsuit that I literally have no idea what they're talking about. They are harassing me, and that's against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

In XX/XX/year> I called a Chase representative and told him that I wanted to pay the current debt AND CANCEL the card. It's now XX/XX/XXXX and they continue to harass me with a charge that I don't owe, having cancelled the card the previous XXXX. I currently have an outstanding credit rating ( in the XXXX I believe ). If this bogus charge somehow affects my credit rating do I have a credible law suit to file against Chase that will gain traction?
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of my previous request, I found out that the inaccurate items still appeared on my credit file. I value your help to REMOVED some of the items in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 credit bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've already include this report for a past letter and I am including it once more. These are the following fraudulent items that are needs to be deleted : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023.
Product: Credit card or prepaid card

In XX/XX/XXXX I saw fraudulent charges on my XXXX card, I reported it and requested refunds of over payments take from my auto pay checking account, after one month I heard nothing back from them so I had to call them back and they did not even started the claim, I had to go over the whole phone process again with them in XX/XX/XXXX, in XX/XX/XXXX they said the fixed the problem and the - XXXX credit will be returned to me. up to now XX/XX/2018 they have not returned the credit to me. I have sent the request by mail I have called them and they do not respond
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.