23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern: I had my mortgage with XXXX  most recently, XXXX  transfer account to them, well XXXX  filed bankruptcy and all the accounts went to Loan Care (NewRez) around XX/XX/2019.  When I called them to setup account, get info on them, the recording states it a collection agency.  When I was able to speak to a rep, she explained that we (all previous XXXX  accounts) were not in collection its just was transferred to them for us to submit payments. That all pymts would be handle same, meaning (and I asked) that we have until the 16 of the month to pay with out late fees, Thats all explained. To my surprise & I am sure to other ex-XXXX  payees they (Loan Care) failed to say they charge processing fees to submit pymts. That to avoid $XXXX  fee to pay on or before the 4th of the month, if past the 4th, then no matter how you submit pymt they start charging, that is something we never had to do if we actually with a Bank. I get if I call, charge me a fee like any other financial services, but I pay on line, I am not in collection to be penalized with this fee, especially when we did not have any say why our accounts were transferred to them & not another bank. Can you imagine all the accounts transferred paying for 30 yrs @ $XXXX  or more a month, what sweet piggy bank for them??? The reason I cannot pay before the 4th is that I am the only income in my home, I need to pay checks to be able to cover mortgage & not loose our home.  I am asking you please help us all not be charged those convenience fees we have no fault or remove us to a reliable bank.  Not a collection agency, Please!!!
The company again NewRez/Loan Care//Loan# XXXXXXXX//they call it a one time draft fee assessed, but this is charges every month, so its not  one time. Not fair again we get penalized to pay these fees. Our accounts has to be handle like a just transferred & not a collection, we are not past due.  I reported them to XXXX, but they have yet to care to respond.  They dont care.  Thank you
Product: Mortgage

i had a home mortgage with Wells Fargo and they did not approve a refinance for me and i subsequently sold my home as in a fire sale to have just enough to pay the loan and the broker commission. I recently read in an XXXX aticle of XX/XX/2023 which stated that Wells Fargo may owe me money from a multi XXXX dollar settlement. as i can not find anyway to contact a Wells Fargo representative, i am filing my complaint to you in the hopes of recovering some monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened an account with Truist bank XX/XX/XXXX after they offered a {$400.00} bonus to open the account. I made 2 requested direct deposits of {$500.00} each to meet the eligibility. I verified that I had met the terms with Truist customer service when I opened the account and made the deposits. After 30 days I was supposed to have received the {$400.00} bonus, however it wasnt received. I again called customer service on XXXX and was assured I had met eligibility and that I would receive the funds in a week or two. I visited my local Truist branch on XX/XX/XXXX. They took my information but never followed up. I still have not received my {$400.00} bonus. 

Truist misled me into opening an account with the promise of a bonus and now refuse to pay. hours of my time wasted on hold and waiting at the local branch with several false promises of paying me the {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX. XXXX / XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). 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: Money transfer, virtual currency, or money service

the Paypal company close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They just made all complicate. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i just put money in my account for buy and send money to my family. so, Now they just close my account with all my money. I think this Company stole money from people, They never takes my calls or respond my message. They used to remove all conversation for avoid evidence. PayPal is not doing her job properly and that the reason i am File a report here. Paypal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. 
My personal email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  - Debt Collector : Don't forget about us. You missed your payment. To pay click XXXX XXXX XXXX. To optout txt STOP They texted me today at XXXX XXXX and I never set up a payment pal with them and I never heard about them before
Product: Credit card or prepaid card

I use the Amex bluebird card for my direct deposit. It was not there this morning as usual. I confirmed with my payroll company that the email from them showing it was sent was correct. They had sent my check. I tried numerous times to call bluebird. Chose option for representative but once transferred it would give a busy signal and hang up. Finally got through this afternoon. This is what was said.

I just called for the 10th time today. First time to get through Held for 20 minutes. First was told they had not received my deposit. When I called him out on that I had confirmation that they did he put me on hold for less than a minute to say they had an issue and it was of the highest priority. When I told him it couldnt be cause people had been waiting for days on theirs, he said I should have it in the next 4-5 hours. I said I know this is not your fault but I need a real time estimate. Are u just saying 4-5 hours to get me off the line? Do you have a real ETA? He again said 4-5 hours. I asked him was he planning to pay my bills tonight and feed me and my kids if it wasnt there then. No answer to that
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus.

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my Experian credit report showing the missing payment and incorrect loan modification report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was affect in the date breach. A lot suppious activity is happening on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. XXXX  and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile.

The law is very clear as to the Civil liability and the remedy available to me (section 616 and 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 (e) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 1) XXXX XXXX, Acct.#: XXXX  Unverified Account2) Medical, Acct.#: XXXX  Identity Theft Account3) Medical, Acct.#: XXXX  Identity Theft Account4) Medical, Acct.#: XXXX  Identity Theft Account
Product: Credit reporting, credit repair services, or other personal consumer reports

After I gave a copy of a valid FTC Identity Theft Report to XXXX XXXX, they should have stopped reporting the fraudulent accounts to the credit reporting companies. But I also provided a police report proving that someone stole my identity. If these actions guarantee me certain rights then why after someone has stolen my identity, has the fraudulent information remained on my credit report. I have the right to have removed all fraudulent information from my credit report. This is called blocking and once the information is blocked, it wont show up on my credit report, and XXXX XXXX cant try to collect the debt from me.
Product: Credit card or prepaid card

I had a CapitalOne XXXX sliver and my spouse passed away and I was unable to make to payments alone. It from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Checkr is a company that XXXX uses to do back round checks on all applicants. 
I had applied with XXXX 3 to 4 times in the last 1 and a half. Same response " no '' due to " Identity Theft ''. I in no way have been accused nor have been a victim. I 've tried and tried to resolve however, not enough information is given from checkr. Please assist in this matter. Its causing hiring issues. 
Sincerely XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is NOT a dispute about information on my credit. Its is about their internal practices that allow unauthorized access to my credit file despite me having a security that is PIN protected. I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. 
As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I will charge fees due to lack posting of charges and credits this issue relies with the recent CFPB findings against Navy Federal for similar practices where transaction settle with insufficient balances, despite initially available funds abilities, practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

creditor still reporting and it's been past the two years of when the inquiry was established. Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has responded to my complaint stating that it will take 60 days to investigate my complaint which is unacceptable. According to the Fair Credit Reporting Act, bureaus have 30 days to investigate the dispute and remove any items proven to be inaccurate, dismissed or closed. TransUnion has a duty to investigate according to the guidelines that the Fair Credit Reporting Act has instilled, not their own. It does not take 60 days to investigate something that is clear and factual. I will not except their response unless they can show me in writing their deadlines as it pertains to disputes. Once again, TransUnion has failed to obey the law. If I am forced to take legal action, this alone will work in my favor.
Product: Credit reporting or other personal consumer reports

Good Afternoon, I checked my credit report and i have fraudulent account from XXXX XXXX. This fraud account harmed my credits reports. I wan na dispute this fraudulent account and i hope you will help to fix this problem and bring my credit score back in proper condition. I am trying take car for lease but i cant because if this account. 

XXXX XXXX  : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made complaints regarding this lender previously based on deceptive practices including the term of the loan which was only 6 months per the agreement I signed and it is being reported on my credit as 19 months which is a term I never agreed to. They also locked me out of my account so I couldn't view the documents that I initially signed and they are again not even licensed lenders in the State of South Carolina. They must recently sent me an email stating they have sold this debt to a debt collector but are STILL reporting a balance on my credit report which seems illegal. Please look into these matters. I have attached the email they sent me recently stating they have sold this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to inaccurate information being reported in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Have made multiple attempts for experian to removed multiple collections accounts from XXXX and XXXX that are on my account the original creditor XXXX XXXX XXXX has verified XX/XX/2014 was date of last payment on accounts and has been removed from all other credit bureaus except experian will not remove item after multiple attempts.