23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Required Regarding Loan Mismanagement Dear XXXX XXXX XXXX, I am writing to formally address a series of issues I have experienced with XXXX XXXX XXXX regarding my home loan ( Loan # XXXX ). Despite my efforts to resolve these matters directly with the company, I find myself in need of your assistance. 
1. Foreclosure Despite Forbearance : My loan was sent to foreclosure, even though I was enrolled in a COVID-19 forbearance plan. Additionally, I was actively applying for the Georgia Mortgage Assistance ( HAF ) program, which was implemented by XXXX. XXXX XXXX XXXX to assist Georgia residents who were struggling with mortgage payments due to the pandemic. XXXX XXXX XXXX was in communication with HAF and had all the necessary documentation on file. Despite this, my loan was incorrectly placed in foreclosure. 
This was Unethical and Fraudulent financial practice was used by Loan Care increase my interest rate from XXXX to 6.625 % and subsequently increasing my Mortgage payment {$2100.00} to {$3600.00}. 

XXXX. Unlawful Loan Payment Increase and Interest Rate Adjustment : Following the foreclosure issue, XXXX XXXX XXXX increased my monthly payment from approximately {$2100.00} to {$3600.00}. Upon seeking legal counsel, I was advised that such actions are unlawful. Specifically : XXXX should not have sent my loan to foreclosure while it was under forbearance due to COVID-19 and enrolled in the HAF program.

3. Payments Ahead of Schedule but Incorrectly Reported : Despite these issues, I have made payments consistently, even ahead of schedule ( XXXX to 6 months in advance ). As of XX/XX/XXXX, my payments are up to date through XX/XX/XXXX. However, despite this, my payment history has been inaccurately reported to the credit bureaus, showing missed payments. 

4. Why I was been reported as late to the credit Bureaus I also received a voucher from Loan Care to pay {$3300.00} for XXXX, XXXX, and XXXX of XXXX. 
All were paid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So as seen from above, Loan Care is engaged in a Very Bad Fraudulent and Unethical Financial practice towards some of us who does not understand mortgage process and taking advantage of us since the COVID. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX multiple times, but have not been able to reach a satisfactory resolution. 
I am now seeking your help to address these concerns and prevent further damage to my credit and financial well-being. If necessary, I am prepared to take further legal action, but I would prefer to resolve this matter amicably with your assistance. 

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
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. XXXX XXXX XXXX XXXX 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, often than records of conviction 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: Money transfer, virtual currency, or money service

OnXX/XX/XXXX, I received an email to my company email address from our XXXX vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) changing their wire instructions to Wells Fargo bank , account # XXXX. Two wires were sent out : first onXX/XX/XXXX in the amount of {$34000.00} and second on XX/XX/XXXXin the amount of {$40000.00}. Both wires were for the beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX that the wires had not been received. Then on XX/XX/XXXX, I was also informed by XXXX XXXX that their email system had been hacked. On XX/XX/XXXX, my bank files two wire transfer service request forms to return the funds due to the fraudulent account. The only response ( received XX/XX/XXXX ) received back from Wells Fargo so far is that there are no funds in the account to return.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$95.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Ally has reported XXXX late payments on my credit report. I paid onetime every month using their online payment system. I paid 5 days late one month and was hit with a late charge. called in and spoke with rep that stated she would waive the onetime late fee as a courtesy and to make the regular payment. The fee was never waived and rolled over for months causing it to look like i was late for 8 months. I 've spoken to several reps that stated they would remove the late payment off of my report due to the error but it has not been done yet. I know the calls are monitored and asked for a supervisor to listen to the promise by the rep but i keep getting the run around. my credit is being impacted due to a rep that lied. i made the payments but the fee that was told would be removed was not and now i am being punished due to lack of customer service and responsibility. the information being reported is incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX, I had many of financial accounts compromised via my phone, one of which was my Robinhood account. My Robinhood was accessed, and all of my Cryptocurrency was sold ( valued at {$3800.00} ). From there the money was transfered to a Robinhood spending account ( which was fraudulently opened ) and transferred to an unknown VISA debit card ending in 5509 ( not my debit card ). Due to my phone being stolen and Robinhood requiring 2 factor authentification via my phone, I could not report the fraudulent activity for days until I obtained a new phone associated with my phone number. At this time, I was able to access my Robinhood account and report the fraudulent activity to Robinhood.

Actions by Robinhood following report of fraud : Robinhood voided the XXXX transactions and restored my cryptocurrency to my brokerage account. However, Robinhood did this with funds from the fraudulently-opened spending account, thus creating a - {$3800.00} balance in this account. I attempted to speak to customer service several times on this matter but could not get clear answers on what their decision was on the fraud investigation and whether I would be held accountable for the negative balance in this spending account. I eventually spoke with a customer representative named XXXX ( case # XXXX ) on XX/XX/XXXX at XXXX CST regarding this matter and she assured me that I would not be held accountable for the negative balance. If this phone record is reviewed it will back up my claims. At this point, it appeared that my fraud claim was accepted and I would not be accountable for the negative balance. Fast forward to this year, I have received a 1099-C for negative balance from this spending account. According to my taxes, this will cost me ~ {$1000.00} in tax liability. I am wondering why I am receiving a 1099-C for this money when I was told that I am not responsible for it.

I have included a police report and ID theft report detailing the theft of my phone and fraud resulting in lost assets, including those in Robinhood. I also included a PDF of the 1099-C for reference.

I was clearly given misleading and unclear information on several occasions with Robinhood, which has impacted financial decisions in my life. I never received any official correspondence about a decision or explanation on my fraud claim. This is unacceptable and deceptive customer service that has left me in a state of confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and an erroneous late payment posted on my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my self secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay XXXX XXXX secured loans and XXXX  Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this scam of inquiry on my credit report XXXX CREDIT/SCOTTSDALE Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Debt collection

I never knew about a collection debt owed to AmSher Collections agency. I have never received a letter from this agency verifying that I have owed a debt to them. On XX/XX/XXXX, AmSher reported to all 3 credit bureaus that {$150.00} needed to be paid. When looking at the details on XXXX XXXX it stated that an account on their end was created on XX/XX/XXXX. This debt is supposedly related to internet equipment not being returned to XXXX from XX/XX/XXXX. I have never received any mail sent from this agency verifying this debt to me. Once finding this out I called AmSher asking for a validation letter on multiple occasions. On XX/XX/XXXX, I called Amsher and spoke to there representative XXXX. The representative stated that they did send out a letter to my address. I told the representative I never received anything but representative repeatedly stated that I overlooked my mail and threw it out like most people who don't want to pay their bills. She was mean and honestly rude. I then asked the representative what address they have on file. The agency had parts of the current address in which more information needed to have the correct address to send anything. If you don't have the correct address information how could I have possibly received a letter from them? I updated the address to my current location so a new letter could be sent. XXXX the representative stated she had to ask her manager if this was ok for a validation letter to be sent out. The representative said that the manager said it was ok and that they will be sending one out to me. Three weeks later I still haven't received anything verifying this debt even after calling a few times. These representatives don't write down notes so the next representative can know updated information. I continued to ask the representative more about my supposed account. XXXX the representative told me that the agency had this debt before XX/XX/XXXX, lingering in their office waiting for a response from me. Like I have repeated above I have never received anything from this agency. This agency knew about this debt long before it was reported to the credit bureaus and allowed it to not be paid or communicated to me.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

There is inaccurate information listed on my consumer report. I have made a list of the detailed information ( please see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$10000.00}, {$4500.00}, {$0.00}, {$10000.00}, {$22000.00}, {$0.00}, {$19000.00}, {$0.00}, {$35000.00}, {$13000.00}, {$12000.00}, {$25000.00}, {$23000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- PERSONAL LOANS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Product: Credit reporting, credit repair services, 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.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( aX5 ) 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX Cards XXXX XX/XX/XXXX XXXX Cards XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DATA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was using the square Cash app for P2P money transfers. I had a birthday gift of {$300.00} that was transferred to the wrong bank. 

Basically, When I did not see the money in my account I check my default bank information in the Cash app only to see a XXXX ban account I did not recognize. I only saw the last 4 digits of the account but deleted right away because I did not want them to take more money from me. 

When I called XXXX, they said they could not help without more information. Cash app said they couldn't help and that I needed to contact XXXX XXXX. So, pretty much ignored by both entities and was told by each to contact the other. 

When I told my friend about this recently, he checked his default bank with cash app and it was a mysterious wrong bank! 
I suspect that Cash app is able to be hacked, where the hacker can input their own bani information into the app, so money is transferred to it.