23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS Im writing because I noticed that my most recent credit report contains an account that was already PAID/SETTLED reported on XX/XX/2018 for my account. 
I want you to know that I understand my financial obligations, and if it werent for PERSONAL HEALTH ISSUES Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made good on the account Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a HOME mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on Thank you for your consideration, and I hope youll approve my request.
Product: Mortgage

Dear Sir or Madam : In Re : loan # XXXX reason for me writing is that I am in the middle of a loan modification but are also in the middle of a foreclosure file by Nationstar Mortgage behind your back, who scheduled a sale of my property for XXXX XXXX, 2015, that I was not aware of, feeling secure while relying on the mortgage company 's promise that they " we will not foreclose while I am in the process of obtaining a loan modification. 

Furthermore, I believe the mortgage had already turned my loan over to a foreclosure attorney while luring me into believing that they are trying to work on a loan modification. This due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the late open accounts listed on my credit report. I am seeking assistance in correcting these inaccuracies promptly. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing documentation and evidence to support my claims. However, despite my efforts, these late open accounts persist on my credit report. 

This situation has caused significant stress and hardship, as it affects my ability to achieve my financial goals and secure important financial opportunities. Therefore, I am seeking the intervention to ensure the prompt correction of these inaccuracies. 

Upon reviewing my credit report, I discovered several late open accounts that do not accurately reflect my financial history. These inaccuracies are causing harm to my credit score and financial reputation, hindering my ability to access credit and obtain favorable terms on loans and other financial products. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00}.
Product: Credit reporting or other personal consumer reports

Account is being reported in accurately as of XXXX in the amount of XXXX No actions have been provided by the company. The vehicle in question XXXX XXXX XXXX
Product: Credit card or prepaid card

There is no authorization of Overdraft link between my Bank of America checking account and my Bank of America credit card account ; however, someone from Bank of America Credit Card account transferred an unauthorized amount of {$18000.00} from my credit card money to my checking to pay for checks of {$20000.00} as an overdraft on XX/XX/2020. I called Bank of America credit card representative to ask the refund of {$18000.00} to my credit card account on XX/XX/2020 because of an unauthorized. The representative filed a refund paperwork for me, then said the fund would be back in my credit card account in 3 to 4 days and a BOA letter would be sent to me explaining its resolution within 10 days. She also told me that there would be no charged fee related to this unauthorized transaction at all. I did not receive the letter as told. I called BOA on XX/XX/2020 and teleconferenced with BOA checking representative, XXXX, and BOA credit card representative, XXXX. XXXX and XXXX both confirmed there is no overdraft authorization link between my checking and my credit card accounts at all. XXXX told XXXX to submit the matter to his supervisor for resolving it, but his supervisor did not want to resolve it, he instead said BOA would send me a resolution letter for this issue within 14 days. I did not receive it. I called BOA credit card again on XX/XX/2020 and talked to XXXX, a BOA Specialist, about my issue. XXXX said the BOA checking side did not want to return the fund to my credit card account although BOA credit card side requested it on XX/XX/2020. She said she could not resolve my issue herself. She recommended me that I could write a letter to BOA in Florida headquarter to ask for resolving it or I could sue the BOA on the policy of NO RESPONSIBILITY FOR AN UNAUTHORIZED TRANSACTION stated in its VISA policy. I wrote letter to BOA headquarter in Florida about this transaction, and sent it on XX/XX/2020 but having no BOA reply at all so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX USA, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and Transunion to cease this reporting and they continue to simply send me to the other entity.
Product: Credit reporting or other personal consumer reports

In accordance with 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 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  {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 filed unauthorized use of debit card on XX/XX/24 after returning from XXXX holiday hoping my phone wallet was left at home did not find so i purchased a second phone to download chime app to check account and realized card had been used. I reported the issues upon discovery of card use total of {$1200.00}. On XX/XX/24 chime sent email regarding acct claim and no error occurred. Their determination was based on non related information without actual investigation process.XXXX XXXX XXXX liability is what they should be held accountable for.
Product: Bank account or service

In XX/XX/2017, I terminated the services of XXXX and switched to XXXX. Knowing how companies are, I thought it would be in my best interest to stop payment on any future funds they decided to take. I went to Citizens Bank on XXXX/XXXX/17, in person, and paid the {$35.00} to stop payments to them. I was told I was all set. On XXXX/XXXX/17, Citizens allowed them to withdraw {$600.00} from my account. I called Citizens on XXXX/XXXX/17, and I was told the money would be put back by the following morning. On XXXX/XXXX/17, I was still overdrawn because of that charge. I called Citizens Bank again, and I was told they had to file paperwork which would result in waiting another 10 days for the money to be returned. They did offer their apologies for the inconvenience. However, when I had to tell my landlord that I could n't pay my rent for another 10 days I informed him that Citizens Bank extended their apologies. Surprisingly, that did n't fly. Now, to add insult to injury, they 've charged me a {$35.00} overdraft fee. I paid the stop payment fee well before this {$600.00} charge was presented. They XXXX, not me. They did n't fix their error in a timely manner, and they charged me for their error.
Product: Credit card

on XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX  about the account # XXXX with a balance of XXXX the account was opened on XX/XX/year> they obtained from ( XXXX XXXX XXXX ) for collection. I advised them that I didn't have any knowledge of the reporting account on my profile. I also stated for the removal of the account from hurting my credit rating. I was told by the company to verify who I was. I followed those steps quickly. I also advised them that the information that was given intially was from my credit profile that I have assess to at the moment and that I didn't feel safe giving them my address over the phone but I obliged to it because I was being threatened that I was not gon na be able to get any info and they threatened to hang up the phone in my face also the standing negative info would remain on my Credit profile I was told that they couldn't aknowledge my concerns, even after proof that the address, name, date of birth, and was totally different than what I have on my drivers license..Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
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 ( CFBA ). 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 for these violations
Product: Checking or savings account

I called today on XX/XX/year> a year after navy federal closed my account with money still in the account to see if they was going to process my funds out the account and send them to me in a cashier check or send a wired a supervisor in the XXXX  XXXX  told me they was not going to use that option when I told them I work everyday and the time frame dont match my schedule so the supervisor pursue to hang the call up when I told her it was violating federal regulations still to this day they have funds I work for froze in this closed account
Product: Credit reporting or other personal consumer reports

Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX of 2022 per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Experian continues to disregard any re-investigation into this dispute they automatically send the same letter stating verified when clearly the third party is not verifying anything as they have nothing on their end. Thank you.
Product: Mortgage

So my trouble started a year ( XXXX of 2022 ) into my mortgage with Cross country mortgage. At the time, they told me one of my policies expired and I needed additional coverage. They then bought a policy without my consent or any warning for well over XXXX XXXX This was in addition to my homeowners policy i already had in place. When I tried to find out what coverage I needed, I was told windstorm. I got windstorm however they kept the policy in place for an unknown reason but I presume because it was inadequate? I tried for weeks to get ahold of a person via the number on the letter to discuss with them but it went to a machine and when I was finally able to get in touch with people, they would hang up, disconnect, or the people I talked to sent me to machine after machine that never let me talk to a person that actually answered my question. I gave up. My mortgage rose {$1000.00} from XXXX $ to XXXX $ per month and no one from this company would help me. 

Fast forward a year, the previous policy i had expired and they are now threatening me with a nearly {$6000.00} policy ( keep in mind this is after I had a separate comprehensive policy that.met all their check boxes which they REJECTED but did not.explain WHY. 

I'm a XXXX  ( XXXX XXXX ) so I work a lot, upwards of XXXX hours on a light week. I have no time off so I needed a company that would help me troubleshoot the problem when I had a letter telling me they would be raising my escrow came and they'd rejected my policies. 

This company isn't it. They won't help you. They don't care because they hold your payments under their own exclusive control. I don't know mortgages, I know physiology, pathology, and pharmacology but at least I explained everything to my patients. This company wouldn't help me at all.
Product: Mortgage

Please refer to attachment for my initial dispute regarding Wells Fargo 's explanation of an FHA application as " Not Part of the closing documents '' It was done in " Good Faith '' First of all, I have a binded portfolio of ALL THE CLOSING DOCUMENTS along with HUD 1, HUD 2 etc. Each of the numerous documents including the HUD 1 and HUD 2 list the " Mortgage Insurance Case Number : XXXX. '' One of the loan numbers submitted by XXXX in an earlier response to my concerns lists XXXX as one of the numbers assigned to the FHA/HUD mortgage. XXXX states that the FHA CASE NUMBER is located in one of many data bases. 
( I will also be disputing IV Acknowlegment and Agreement as stated on the FHA application and VIII which is Information for Government Monitoring Services ) The very first sentence in VII : Each of the undersigned specifically REPRESENTS TO LENDERS AND LENDER 'S actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns and agress that 1 ) the information provided in this application is TRUE AND CORRECT as of the date set forth opposite my signature and that any INTENTIONAL or negligent misrepresentation of this information contained in this application may result in Civil Liability, Including Monetary Damages TO ANY PERSON who may suffer any loss due to reliance upon any msreprsentations that I have made in this application and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, sec.1001 et seq. 



The very first line contained in VII starts out stating " The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the Lender 's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.
Product: Debt collection

Repeated calls. I have advised them I am on do not call list. I do not have an account with this company. Midland Credit Management call on XX/XX/22 from XXXX no name identification on caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware today that Equifax had a security breach, for about two months, a few months ago and just let me know that it happened. I checked with their website and they claim I am one of those affected by the breach. 

In that breach, I have had my SSN, my address, my driver 's license, and other information stolen. Now I have to put a fraud alert on my credit report to ensure that I am not a victim of identity theft, or at least to stay a step ahead. 

In fact, I recently ( around XX/XX/XXXX ) had an issue with my XXXX card where all my information was changed. My address, my e-mail, my phone number. They changed everything and tried to switch the address to somewhere I have never been and requested a new card. Luckily, XXXX saw that issue and contacted my promptly. 

It is very likely that they had my information in the first place due to this breach. I was inconvenienced and had to have my account closed and open a new one.
Product: Student loan

My school loan from XXXX XXXX XXXX XXXX was supposed to be in forbearance for twelve months. However, they had been in repayment status because a six month forbearance was applied. During the time of repayment, I never received correspondence from XXXX XXXX. It was not until I applied for a mortgage that it was brought to my attention I was over 90 days late on a XXXX XXXX payment and my loans were no longer in forbearance. I never once received a phone call, email or letter regarding the repayment status of my loan. My monthly payments are only {$50.00}, the cost of the monthly payment is not the issue. 

Since XX/XX/XXXX, on several occasions, I have tried to work out this issue with XXXX  XXXX XXXX. They applied a retroactive forbearance to my loan, which covered the dates that were reported 90 days late on my credit report. I have written two letters and been in contact with several XXXX  XXXX representatives requesting a goodwill adjustment to my credit report with all three credit bureaus and XXXX XXXX keeps denying the request. A goodwill adjustment is allowed one time by the U.S Department of Education, but XXXX  XXXX to denies the request every time. 

I tried to resolve this issue by taking another route and dealing directly with all three credit bureaus. I requested written letters from XXXX  XXXX XXXX showing all the dates of my forbearance, include the retroactive forbearance that was applied to my loan. If I can show proof to the credit bureaus, they will make the adjustment to the reported 90 day late. 

On XX/XX/XXXX, I was told on by XXXX  XXXX that it would take 7-10 business  days for me to receive the documentation. As of XX/XX/XXXX, I still have not received this correspondence from them, they have yet to provide me with the information I need to clear up this matter with the credit bureaus. 

I have never once had a late payment with XXXX  XXXX XXXX and have no late payments on my credit report over the past ten years. It is crucial that I get this fixed as it may hurt my chances with potential employers, and has already stopped me from getting a mortgage. As of today, XXXX XXXX XXXX is still not complying with any requests and continues to refuse a one time goodwill/credit adjustment. They are making this process impossible.
Product: Debt collection

The company XXXX XXXX XXXX which is a subsidiary of XXXX XXXX XXXX filed a default judgment against me for credit card debt accrued by defunct company XXXX XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with XXXX on XX/XX/XXXX before the company went out of business. The debt was accrued XX/XX/XXXX. XXXX XXXX XXXX acquired XXXX in XX/XX/XXXX and this arm became XXXX XXXX XXXX that same year. Since my debt was initiated and established during the existence of XXXX and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as XXXX is attempting to collect a debt of the defunct company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX FL 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 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 XXXXXXXX