23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan is currently being serviced by XXXX XXXX XXXX XXXX ( XXXX ), operating as a financial arm of Baird Home Corporation. XXXX has refused to complete a loan modification, stating that it is a retail installment contract. However, the loan is tied to a single family residence, so general RESPA and HUD law apply. Any contractual agreement instituted outside of a HUD and RESPA complaint mortgage would be a clear violation of the law. Furthermore, when the loan was in default three years ago, XXXX issued a claim with the XXXX XXXX XXXX XXXX. XXXX received over {$41000.00} from the Hardest Hit Funds. The U.S. Department of the Treasury established the XXXX XXXX XXXX XXXX XXXX for the Hardest-Hit Markets ( Hardest Hit Fund ) in early XXXX to provide financial assistance to families in the states most impacted by the downturn of the housing market. In XX/XX/XXXX, U.S. Treasury announced that Indiana would receive {$83.00} XXXX to help *unemployed homeowners pay their mortgage. In XXXX, an additional {$130.00} XXXX was added to this funding making the total investment for XXXX over {$220.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who oversees the XXXX XXXX XXXX XXXX ( XXXX ) will administer the program as an additional tool offered to troubled borrowers through XXXX and will offer individuals who are unemployed and eligible for unemployment insurance benefits. This assistance consists of a monthly benefit to cover a portion of their first mortgage and related expenses while the individual seeks new employment. Assistance in bringing mortgage payments current is also available for those individuals who were unemployed and eligible for unemployment insurance benefits but are now re-employed and able to make monthly mortgage obligations moving forward. Additional underwriting criteria may apply. 
The distribution of these funds is designated for mortgage loans and not retail installment contracts. Since XXXX  collected funds directly from a government agency fraudulently, they have violated the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a  Federal Government Agency. 

I owned the land separately, prior to closing on this loan in XXXX. The loan was closed in a Home Owners Funding home show room, where proper 48 hour RESPA and TIL disclosure prior to closing was never performed. I was initially advised that the rate would be 7 %, but when the loan documents were issued the rate was switched to 13 %. The 13 % rate violates the High Cost Mortgage Law, TILA Act and RESPA ( Regulation X ). I was also advised that I had to borrow {$7000.00} from my father, in order for the loan to fund. This is a clear violation of RESPA law as well. 

Since XXXX is now pursuing foreclosure action and has set foreclosure sale dates, I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these creditors to pull my credit.
Product: Credit card

I've been trying to log on to the credit website for 10 days and the logon screen times out, regardless of what browser I use. while I am able to still logon to all my other credit card sites and my bank, they finally told me ( after my payment was late and they changed me a late fee ) that I could use their mobile site, which I did, but that site does not allow me to request paper bills or to remove the extra fees ( credit protection ) they have added to my account. 

the agreement I have includes interest free charge if the payments are made with in certain window, this certainly seems to me to be an attempt to keep me from making my payments on time and inside that window
Product: Checking or savings account

On XX/XX/2023 I deposited a check for XXXX and was told as long as my account was positive on that day that I would have at least {$500.00} Available the next business day, well they didnt make that available to me and now Im unable to get my medication for XXXX which is a huge issue due to the fact that if I miss doses the virus can build a resistance to the medication at which point I will become no longer treatable. I explained this to the bank and they said they cant do anything about it.
Product: Debt collection

Include dates, amounts, and actions that were taken by you or the company. 
*** For the past two year Capital one has been receiving an automatic payment from me. I have attached the bank statement proof. ****** *******also i have attached the credit buro information where they report me not paying.
Product: Student loan

I was an XXXX XXXX XXXX student which was part of the predatory loans tactics managed by Sallie Mae/Navient. 
the U.S. Department of Education Borrowers defense provided loan forgiveness for my federal loans. 
Sallie Mae/Navient Office of customer advocate has yet responded to my efforts of fillings forms sent by XXXX XXXX department to have private student loans forgiven. I received notification via mail in regards to the predatory private student loan lawsuit filed Villalba v. Navient. Deeply need assistance in resolving this malpractice
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX ; I spoke with a representative of CIG financial, who held the lien on one of my vehicles I financed. The vehicle had GAP insurance on it and it was totaled in a vehicle accident. GAP insurance satisfied the balance due on the account but CIG Financial is still reporting to XXXX that I have a past due amount of {$1700.00} ; which was last reported on XX/XX/XXXX. 
On XX/XX/XXXX ; CIG Financial Insurance Administrator, XXXX XXXX, admitted in email correspondence that the GAP insurance check was sent to the wrong address and that they received the GAP insurance check ; that I needed to dispute how its reported directly with the credit bureau. The credit bureau told me that they only report what the creditor reports to them ; so they're both playing a proverbial tug-of-war with me. 

I have attached an email from the aforementioned, XXXX XXXX, regarding the GAP payment.
Product: Money transfer, virtual currency, or money service

Sent {$3000.00} to a trusted vendor who Ive done business with for many years. XXXX, through Bank of America, showed a completed payment but the vendor never received the money. 

XX/XX/year> Requested an investigation into where the missing {$3000.00} is. They claim to have followed my orders on initiating the transfer but can not confirm if the other bank received it. Denied my request. They claim its on XXXX, but XXXX cant even speak to XXXX as they say it has to be done through BofA because I used their mobile app to initiate. Only during this drawn out process do I read that XXXX considers their money transfers to be an investment not backed up by the FDIC which is absurd. 

XX/XX/year> Spoke to BoA rep that is a fraud and XXXX liaison. She notes Ive done business with these folks many times before with no problem, opens another audit and then commences to sending me the same thing as before XXXX days later. Its out of their hands, XXXX is who to speak to and they cant confirm anything. If XXXX has partnered with BofA to sell investment vehicles masked as a money transfer service, seeing that on the app the option for XXXX is under TRANSFER FUNDS, then you would think theyd be responsible for the company they vouch to be able to move funds for their customers. 

As of XX/XX/year> the money is still missing and no one can tell me whos to blame or where it went. I just lost my farm in hurricane XXXX and am lucky to still have any business and thanks to this issue XXXX be turning customers away while these financial institutions pass the blame. Obviously now I know never to use XXXX again, and to post everywhere I can on the internet my experience. The next step will be to withdraw every dollar from Bank of America and make sure to tell as many people online about this as possible. I hope you can help remedy this. Thanks for your time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section XXXX XXXX Code XXXX - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXXEquifax Mortage Service/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am and have been a victim of identity theft which you will see in my report . 


15 U.S.C. 1681 section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

I have noticed that there have been a number of inquiries on my credit account, including one from XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX where I do not live and have never lived, indicating I am the probable victim of identity theft through the use of my social security number. I have tried to log into Equifax through the website. When I attempt to create an account, it indicates that I already have an account with Equifax, when I do not. I would like to log in and place a security freeze, but I can not get in touch with anyone at Equifax. I would like to be able to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Fraud Department : Remove fraudulent accounts from my credit report.
Product: Prepaid card

I have had a Cash App account sine XXXX. On the features is to " add cash '' at on their authorized retailers ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX or XXXX ) via barcode. This feature was removed without notice. I did not get an email, I did not get letter, I did not get a notification text, I did not get anything. 

I started my complaing process in XX/XX/XXXX directly with Cash App and moved on to the XXXX XX/XX/XXXX. 

Cash App refuses to give a reason why they took the " add cash '' feature away. According to their terms of service, a feature can be removed or account be closed due to violoation of the terms of service aggreed upon once card is is active. 

I've done nothing. Each " advocate I spoke with stated the " add cash '' feature via barcode on my account is active and there is nothing on their end preventing me from using the feature. 

I submitted screen grabs showing the error message and the chat response in the support section of the app. 

I've been promised phone calls and email from " management '' or " tech support. '' They pass my case along to someone working from home repeating the same lie from the same script. ALL AUTOMATIC notifications for Cash App stopped once I filed a complaint with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report I don't owe them. I sent both companies Cease and desist letter but TransUnion keep saying that it's verified or updated each month an now it's showing in collections. XXXX nor XXXX has this information my credit report should be the same across all three reporting agency TransUnion should delete this
Product: Credit reporting or other personal consumer reports

I request the immediate removal of these unauthorized accounts from my credit report. I did not open or approve them and have no knowledge of their source. Under USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your consideration.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The XXXX  was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying XXXX XXXX XXXX XXXX, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to XXXX XXXX XXXX. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.
Product: Debt collection

I received correspondence in reference to a debt in which is not owed to me at my address. I attempted to contact the debt collector two times, in which I was hung up twice by two unprofessional employees. I called a third time, and mentioned I wanted an address to send information about a lawsuit against the company to, in which the woman transferred me to their quality assurance number, which was just a recording. When I called the second time, the man mentioned that he would remove my phone number from their calling list. When I called the first time, the woman must have put my phone number on their records without my explicit permission after telling her that I do not owe the money to them. 

I have never had cellular service with XXXX in my name. Which is the original creditor mentioned in the correspondence. I was requested to send in a fraud packet to XXXX. 

This company is persistent that I pay them, when I do not owe the debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX XXXX XXXX XXXX  ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my credit score dropped again due to a remark being added to the XXXX XXXX XXXX account again. Shortly thereafter, I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and XXXX XXXX that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Report of Violations by Equifax Information Services Dear CFPB, I am writing to formally report several violations related to my account with XXXX XXXX XXXX  XXXX. After reviewing my account statements and credit report, I have identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The details of these violations are outlined below : 1. **Account Status Discrepancy** The account is reported as " Charge Off, '' but the remarks indicate it was " paid for less than the full balance '' and " paid charge off. '' If the account is settled, the status should reflect " Settled '' or " Paid, '' not " Charge Off. '' **Potential Violation : ** Inaccurate account status.

2. **Late Payment Reporting After Charge-Off** The report lists late payments ( 30/60/90 days ) for months following the charge-off date. Once an account is charged off, late payments should not continue to be reported as the debt is no longer active in repayment.

**Potential Violation : ** Continued reporting of late payments after the account was charged off.

3. **Remarks Contradiction** The remarks state the account is disputed and resolved ( " paid for less than full balance '' ). If this is accurate, the late payment history and charge-off status should align with the settlement agreement.

**Potential Violation : ** Failure to accurately update the account based on resolution.

4. **Balance Reporting Inconsistency** The balance is reported as {$0.00}, indicating the debt is fully resolved. However, the " Collection/Charge-off '' status and late payment markers

may mislead creditors or other reviewers. **Potential Violation : ** Reporting reso
lved accounts in a derogatory manner.

5. **Failure to Update After Dispute** If I have already disputed this account and provided evidence of resolution, failure to update the report violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure all information is accurate and complete. 
**Potential Violation : ** Non-compliance with FCRA dispute resolution timelines ( 30-45 days ). 

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure that Equifax Information Services complies with the Fair Credit Reporting Act. Thank you for your attention to this matter. 

Sincerely,