23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XX/XX/XXXX I refinanced my home for a lower interest rate. At the same time my property tax was due on the home. Two property tax payments were sent to XXXX XXXX XXXX XXXX 's Office. One by the new Escrow Co ; XXXX XXXX  of XXXX XXXX, CA and the other payment was sent by XXXX XXXX XXXX XXXX. my previous lender who was paid in full on the old mortgage. The duplicate property tax payment of {$1100.00} was finally sent back to the old lender ( XXXX XXXX XXXX Co. ) in the 2nd week of XX/XX/XXXX. I had confirmed this with the XXXX County Property Tax Office by XXXX XXXX. I have since on several occasions called by phone and was told by Home Point to send them an E-mail which I did 30 days ago with no return reply or when I wwas to receive that payment which came out of my Escrow funds from Home Point. They still owe me that payment for duplicate property tax payment that came out of my XXXX XXXX XXXX  escrow account. Please contact XXXX XXXX XXXX and inquire why they have not sent me my entitled escrow funds that are due me. It's been five months now since that duplicate property tax payment has not been sent to me. Your help in this matter will be extremely appreciated.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I mailed a physical letter to XXXX XXXX XXXX from regulatory department at synchrony bank requesting the information on my credit reports from my synchrony bank citgo credit card be removed. 
The account on my reports is actually hurting my average age of credit and since there is no federal requirement that positive accounts must stay on report for 10 years
Product: Debt collection

Diversified Consultants did NOT verify the disputed debt when debt validation was requested within the 30 day window. They were collecting {$140.00} for XXXX XXXX XXXX but couldn't retrieve the correct staatement and sent me a so called COPY of my account with an incorrect amount due. 

They were asked to itemize what I owed and just snapped some INCORRECT copy from XXXX XXXX XXXX. 

Their also NOT licensed to collect in the State of Michigan.
Product: Credit reporting or other personal consumer reports

I recently discovered several unauthorized accounts and transactions on my credit report that were created or used without my knowledge or consent. After further investigation, I determined that these fraudulent activities were the result of identity theft, likely linked to the Equifax data breach. The accounts in question were reported under my name and appear on my credit report as open or closed but with balances or activities that I did not authorize. 

To address this, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and have enclosed a copy along with this correspondence. I also reviewed my credit reports, highlighted the fraudulent accounts, and am now formally requesting their removal in compliance with 15 U.S. Code 1681c-2. This law requires credit reporting agencies to block fraudulent information from a consumers credit report no later than four business days after receiving proof of identity, an Identity Theft Report, identification of the fraudulent information, and a consumer statement confirming the fraud. 

I am asking for a thorough investigation and the blocking of these accounts, as required by law, and request that I am notified in writing with the results of your findings and actions taken. If any company claims these accounts are valid, I request proof of their investigation and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute several items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in addressing these matters and enforcing my legal rights. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and, as such, I request that this unauthorized inquiry be removed from my credit report immediately. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, I have identified an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I did not provide consent for this inquiry, and I insist that this unauthorized inquiry be expunged from my credit report without delay. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the accuracy of the account information associated with XXXX XXXX XXXX XXXX XXXX  The name and number of this account raise concerns regarding its legitimacy. I kindly request either clarification of this information or the immediate removal of this account from my credit report. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, I am disputing the accuracy of the account information linked to XXXX XXXX XXXX XXXX XXXX. The ambiguous nature of this account 's name and number warrants clarification or the prompt removal of this account from my credit report. 

Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified an incorrect previous address listed on my credit report as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' This address is not associated with me and must be removed from my credit report immediately. 

Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is an erroneous previous address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' I have never lived at this address, and I insist on its prompt removal from my credit report. 

I am deeply concerned about the impact of these inaccuracies on my creditworthiness and my ability to access financial opportunities. Credit plays a pivotal role in everyone 's life, and its misuse or inaccurate reporting can have far-reaching consequences. 

While I understand the importance of accurate reporting, I believe these items have been reported without proper verification. Therefore, I kindly request that you enforce the provisions of the FCRA and facilitate the removal of these unverified accounts from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these disputes. Please provide me with updates on the progress of these investigations. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

CFPB # XXXX XX/XX/XXXX Consumer complaint narrative Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you. 

Company has responded to the consumer and the CFPB .... 
XXXX Hello CFPB, Above was the complaint I submitted last yea against FCI Lender Services and the lender. Specifically, the reasons they denied us of our loan modification application last year were " due to our income and multiple properties. '' and that their decision was " final and without further appeal. '' The fact of the matter is we have only one additional property ( our original home ). And, regarding my income, I was on medical leave mostly during the months of XXXX and never got paid with XXXX XXXX XXXX until end of XX/XX/XXXX. 

Anyway, after I wrote the above complaint to CFPB, I remember receiving a letter from FCI Loss Mitigation department that the denial was actually due to the fact that the loan modification package was submitted less than 37 days before the sale date and the first denial letter by the lender was only a courtesy. 

By the way, upon receiving the first denial of the loan modification package, I filed my first bankruptcy to save our home from foreclosure ... There have many many issues in the bankruptcy courts until the present times. 

However, on XX/XX/XXXX, we submitted another loan modification package to FCI Lender Services. After a week, we again received a denial letter stating that " our lender is unable to offer a Loss Mitigation Assistance Program because the loan modification request was received 37 days or less prior to the scheduled foreclosure sale date of XX/XX/XXXX. '' My question is, which one takes precedence ; the CFPB rules or the XXXX California Homeowner Bill of Rights stating that loan modification should be reviewed upon receipt of the package even at the day of the foreclosure sale? 

Please, advise. 

Thank you, California Veteran
Product: Debt collection

PRINCE PARKER AND ASSOCA Reported : XXXX XXXX, 2023 {$4600.00} This companys are reporting that I owe them those balances. 

I need the audit trial of the balance. 
Also I need them to provide me with the agreement that grants them to collect this allege debt. 
Also provide with the master bill of sale
Product: Debt collection

This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.
Product: Mortgage

I filled a complaint a week ago pertaining to a Reverse Mortgage with AAG they responded with justication that didnt include pertinent information saying they did things according to HUD requirements they gave me estimate again and not actual!! Just No answers! Show me proof that they have tried to help me? Yes we have spoken many times but no resolution and why cant just one person walk or talk me though I am a Senior Citizen speaking to so many people asking for things and when u send it you speak to someone different and then they ask for something else how did they address my home being foreclose on before my husband was dead a year well simply more date days after anniversary of death to XX/XX/XXXX! Well again where is the help for Seniors and what shall I do about my Living arrangements with my XXXX XXXX XXXX  and It just confirmed I have XXXXXXXX XXXX in my The house Thur testing company! One of the people I spoke to told me that my cirstances were not the normal, therefore I expect more from any company that has program geared to seniors! That movie Star that advertise for this Company needs to drop them and take out the words that this program help Seniors because it hasnt helped me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a hard inquire that i didnt allow to be on my credit. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and that there was an inquiry on my Experian and XXXX  Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.
Product: Mortgage

I made a payment to my mortgage company online on  XXXX / XXXX /  XXXX  . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday  XXXX / XXXX /  XXXX  . They payment was posted and funds were successfully withdrawn from my checking account on  XXXX / XXXX /  XXXX  .     I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer.     My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing  30+ day s past due and a late fee has been assessed.     I submitted proof that the funds successfully came out of my account on  XXXX / XXXX /  XXXX   and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX and Report Number XXXX Date Generated XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account type : Secured Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$660.00} written off. {$560.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$560.00} Balance updated : XX/XX/XXXX Recent payment- Monthly payment- Credit limit : {$500.00} Highest balance : {$660.00} Terms - On record until : XX/XX/XXXX Payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days CO Charge off Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Dispite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unexpectable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I snail-mailed a letter request to Equifax to create a credit file for my minor ( XXXX-year-old ) son and then instantly freeze his report. ( He has no credit file. ) Following information available at equifax.com, I submitted the appropriate form and pieces of documentation ( including copies of my son 's social security card, birth certificate, and my driver 's license ). 

On XX/XX/XXXX I received a form letter from Equifax saying my son did not have a credit file and offering no further advice. 

On XX/XX/XXXX I sent a follow-up letter to Equifax 's Minor Child department, explaining what I had tried to do and again asking Equifax to do it. A week later I received a second form letter. Once again, it said what I already knew : my son has no credit file. 

On XX/XX/2019 I phoned Equifax 's main Customer Service number. The rep ( who gave her name as XXXX  ) seemed confused at first, said she had to ask someone, and finally explained to me that Equifax can not create a credit file where none exists -- that they can only freeze an existing file.

Information at https : //www.equifax.com/personal/education/identity-theft/child-identity-theft/ appears to contradict what she told me which also appears to be in violation of Public Law 115-174.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXXXXXX XXXX XXXXI XXXX Balance {XXXX, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX} XXXX XXXX XXXX XXXX XXXX Balance {XXXX} XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXXXXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX
Product: Checking or savings account

XXXX Rollover Year XXXX Accounts Certified Involvement Personal Edd Un-Received Earnings To claims/ & Extension Date Time Filings.

By way of reviewing and closures through times of pandemic Access - Covid Health admin. mandates.

Authentication Process Failure/cooperation assessment Bank of America-Authorized providers Internal Account Closure/Banking Card issuance Point Loma Branch Institute Disclosures Laws abiding governed world wide Conclusive Accordances infringement Actions Interests bonded & Binded In regards bankings legal measures of / monitorys affairs behavioral acts addendum rights. Disregarded evaluations of Highest Royalties personal demands involving contingency by way of abandonment! 
XXXX SEATED XXXX. Reserved XXXX. Documented Literature Prints underwriters too B Of A
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', Global Lending Services on XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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.
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. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act. This has caused inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2022 at XXXX cst, I received a call from this company. They were asking for someone who I don't even know. When I explained to them that I do not know who this person is and that I've had this phone number for five years now, instead of resolving the issue or informing me that they'll update their information, they HUNG UP.
Product: Bank account or service

On XXXX XXXX, 2016, I XXXX XXXX, filed Chapter XXXX Bankruptcy which included my business XXXX. All of my creditors were notified about my filing, however some of them have chosen not to comply. One of which is Paypal and PayPal Working Capital. They have continuously taken money out of my account since XXXX XXXX, 2016 for a loan that was taken out in XXXX 2016, but was subsequently included in my Chapter XXXX. Their actions or inaction rather is egregious and I would like a stop put to it! Furthermore, the money that they have taken out of my account has further created a snowball effect, in regards to my business checking account at XXXX ( refer to previous complaint regarding XXXX ). If Paypal would have stopped deducting funds out of my account in XXXX, part of the issues that I am having with BMO would not even exist!!! PayPal has caused me to have a {$1000.00} negative balance at XXXX, as a result of backup funding!!! I tried to turn off the backup funding, but was denied because they said that the could not stop back up funding while a transfer was in place, which seemingly has been for the last three months straight!!!!
Product: Debt collection

According to the XXXX XXXX XXXX, I am NOT XXXX delinquent on my XXXX bill. I have been making payments so Im not sure why my debt is sent to a collections agency? I will SUE both companies.
Product: Mortgage

There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My XXXX XXXX is XXXX, i have closed my credit card of XXXXXXXX XXXX  and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as cibil has updated it as a closed account. The dues were paid before 3 months and from last 2 months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX  from my XXXX XXXX XXXX in the below.