23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had been having problems paying my mortgage due to a job loss a few years back, then was going through a divorce. My mortgage was with XXXX until late XXXX, then was sold to Nationstar Mortgage whom i had never heard of. Applied for several modifications, I was denied every time. My wife and I reconciled, but I was too far behind to save the home. Eventually the foreclosure process started, which was fine, decided to short sale the home as it was better than a foreclosure on my credit also, was told would be able to get relocation fees to help me move my family to another residence. Well we started the short sale process in XX/XX/XXXX, had to go to court numerous times, due to Nationstar not communicating about anything with their own attorneys missing days of work, without pay, due to the fact that the equator system and it 's reviewers were always months and months behind. In late XX/XX/XXXX the furnace gave out and we did not have the funds to replace it as it was approx. $ XXXX {$4000.00} to replace. We found an apartment, and borrowed from friends and family to be able to move in in XX/XX/XXXX. Had several buyers on several different occasions for the property however, because of the " backlog '' with equator and XXXX, none of them wanted to wait it out. Finally had a buyer that was willing to wait it out, and it is now time to submit the HUD, XXXX will not give any sort of relocation fee whatsoever. All paperwork received regarding foreclosure alternatives from XXXX states an advantage to their short sale program is relocation fees, my realtor has been submitting over and over, per Nationstar Mortgage 's advice to keep the relocation fee on the final closing paperwork. Fast forward to today XX/XX/XXXX, still no closing date, and its a year and a half later. XXXX is nothing but bullies, they do whatever they want regardless of what they have printed in black and white, there is an excuse for everything, I am most definitely having every piece of paper I have from Nationstar as well as XXXX looked over by an attorney, I am not going to be bullied by them like a lot of other people are, it 's time the gov't does something to protect the people!!!! HAD I KNOWN THEY WERE SUCH BULLIES AND HYPOCRITES I WOULDVE FILED BANKRUPTCY AND LEFT THEM WITH NOTHNING!!!!!!!
Product: Credit card

I signed up for an American Express Green card in XXXX, 2015 under an online promotion that offered XXXX reward points after spending {$1000.00} in 3 months with a {$95.00} annual fee waived the first year. After meeting the spending requirements and noticing that I did not receive the signup bonus, I called in to American Express to inquire XX/XX/XXXX. American Express customer service told me that they did not have any record of me signing up under the promotion, but would escalate to their marketing team to investigate. It is now well over a month since I first called in and despite contacting American Express 5+ times, they have no information to give me and I have not yet received the bonus I signed up for. A household family member signed up for the same bonus on the same day using the same online promotion and received the bonus points. I met my end of the agreement for the signup bonus in meeting the spending requirements and now would like American Express to fulfill their end.
Product: Student loan

I had a late payment of 30 days and 60 days reported to the credit bureau from the creditor Discover Student Loans. This occurred during the 2020 pandemic for the months of XXXX and XXXX of 2020. 

The account was paid in full in XXXX of 2020 and the creditor still did not remove my late payments that occurred due to the shelter in place law in 2020 during the pandemic. 

I have attempted to have the creditor remove the late payment history several times to no avail which is extremely unfair. 

The balance was small and not only that was paid in full immediately the following month after the late payments.
Product: Student loan

Navient enrolled me in a payment program to catch up on my payments under the guise that if I made a payment of {$220.00} that same day ( XXXX XXXX2020 ), I would not be reported to the credit bureau as being late as I was working with the loan company to get current as this was a form of forbearance. As long as I made the payments for the months of XXXX, XXXX, and XXXX my account would be brought current and I would not be reported. Under this program I also had to provide my debit card information to be signed up for automatic payments for XXXX, XXXX, and an additional 12 months after. I learned yesterday ( XXXX XXXX2020 ), that Navient did report me to the credit bureaus as being 120 days late and reduced my score by 20 points. I then called Navient after learning this to get more clarification. The supervisor I spoke to, XXXX XXXX ( Employee XXXX ), told me I was given wrong information that they would still be reporting me to the bureau and that there was nothing to be done if my credit score was impacted due to the misinformation I received. I also asked for the recording of that initial call when I was signed up for the program, she told me I would need an attorney to do so via court. Navient has done this exact same thing to me back in XXXX of 2020 by offering a different automatic payment program. They reported me to the credit bureaus after they said they wouldn't and my score fell 60 points.They are lying to consumers in order to get same day payments.
Product: Debt collection

After reviewing my credit report, I've noticed a medical collection account reporting to my XXXX credit report. I've reached out to the company for documentation showing the debt is mine, but haven't received a response after several attempts.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of an account from my credit report due to errors in its reporting. The closing date and last verified date for the account are incorrect and do not align with accurate records. 

XXXX XXXX XXXX # XXXX These discrepancies violate the Fair Credit Reporting Act ( FCRA ). Please investigate and remove this account from my report. I have attached a copy of my credit report with the disputed item highlighted.
Product: Mortgage

For 3 weeks I have been trying to get a repayment plan. I have been waiting on my point of contact to call me with the new monthly payment on the repayment plan. He finally called and told me we could only do a 10 month repayment plan and he would call me on Monday,XX/XX/XXXX to set up the plan. He never called and I called them ( Shellpoint Mortgage ) Tuesday and they informed me that the person I was speaking with did not know what he was doing and should not have told me I could get a repayment plan, because it was less than 15 days from the sale. They said it is nothing they can do. If I would have known 15 days ago I would have demanded a new person to speak with. I hope someone can help, because I don't think this is fair.
Product: Credit card or prepaid card

On XX/XX/2022 I contacted XXXX XXXX via XXXX XXXX Mail # XXXX My purpose of contacting the company was to properly address their violation of XXXX XXXX XXXX XXXX XXXX Pursuant XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any- ( XXXX  ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; by reporting this transaction or experience ( Utilization ) on my consumer report which XXXX clearly states IS NOT included on my consumer report I have properly attached all documents that are needed for verification as originally sent with the original letter ( this would include the account numbers along with my id and proof of address ). The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and my demands.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of inaccurate late payment records on my credit report. Despite my repeated attempts to dispute these inaccuracies directly with Experian, they have failed to investigate and correct the errors, thereby violating their legal obligations under FCRA. 

The inaccurate late payment records in question are as follows : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681o, credit reporting agencies may be held liable for damages caused by their negligence in failing to comply with FCRA requirements. Experian has failed to conduct a reasonable investigation, failed to ensure the accuracy of the information reported, and failed to remove unverifiable information despite my formal disputes. This non-compliance has resulted in financial harm, including damage to my credit score and potential denials for credit opportunities. 

I am requesting that the CFPB intervene and hold Experian accountable for its failure to comply with federal law. Specifically, I request the following actions : 1. A full investigation into Experians non-compliance with the FCRA.

2. Removal of the inaccurate late payments if Experian can not provide proper verification.

3. Enforcement of penalties against Experian for failing to uphold its legal obligations. 

I kindly ask for an expedited resolution to this matter, as Experians negligence is actively harming my financial standing. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation process. I appreciate the CFPBs commitment to protecting consumer rights and look forward to your prompt response.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with CACH LLC/RESURGENT CAP Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with CACH LLC/RESURGENT CAP, XXXX XXXX and its successors. CACH LLC/RESURGENT CAP and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with CACH LLC/RESURGENT CAP and XXXX XXXX or owe a debt to CACH LLC/RESURGENT CAP and XXXX XXXX is attempting to collect a debt on the basis of fraud. CACH LLC/RESURGENT CAP and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXX which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately.I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete CACH LLC/RESURGENT CAP and XXXX XXXX, immediately!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and I address fraud on their platform, leaving m 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: Debt collection

On XX/XX/2023, Midland Credit Management, XXXX XXXX XXXX, contacted my husband via phone and gave him all account information even though not listed on the account. He was given credit card company names, amounts owed and told that if I do not contact them that they would sue me and garnish my wages. I write this complaint because the law states : " Collection agencies and other debt collectors may only call or write to you on a reasonable schedule. Constant phone calls and mailings are considered harassing under FDCPA stipulations. Likewise, debt collectors can only contact friends, family members, or employers once, and only then if it is an effort to verify contact information or to verify employment. 

Collectors that contact a third party, like a friend, family member, or employer, can not share any information about the debt with that third party. This includes restrictions that prevent debt collectors to disclose any information that informs the third party that the communication is related to debt collection efforts. "
Product: Credit reporting, credit repair services, or other personal consumer reports

My debit card which was on file on Crypto.com account was used three times to purchase a bit coin and then was transferred to some private wallet link and this happens to happen in my account. One was used on the XX/XX/2022 in the amount of {$450.00} and the second one and third one was used on the XX/XX/2022 in the amount of {$1200.00} and {$1300.00} and all resulting in {$3000.00}. I then contacted Crypto.com letting them know that this transaction wasnt me and I did not authorized that. They told me to wait for them to look at my case and this morning Which is XX/XX/2022 I got an email from them saying their APP payment can not refund me my money because their investigation shows that the transaction happened in my account. My problem is that where does fraud happens? Isnt it peoples account. Beginning of XXXX my other phone got lost when I was at a holiday in XXXX and I couldnt find it and that phone had all my informations. I was able to change most of my information on my other apps but I guess I forgot to change most of them including Crypto.com. I want yall to know that this transaction wasnt made by me and if it was why will I buy this lot of bitcoin and then transfer it to another link wallet?? I mean for what? Why wont I keep it in my wallet?? Please help me get my money because I have been scammed or fraud. Thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my credit report in XX/XX/2022, I noted that Comenity Bank had pulled a copy of my report. I sent them a letter requesting information about why they had pulled the report. I am a past victim of identity theft and found this to be the earliest warning sign that someone was using my financial information improperly. I wrote to the bank and it responded by saying that they had searched their records and found no business relationship with me and therefore would not have done so. I wrote back providing the bank with my social security number as well as the date that the report was pulled. They once again advised me that we had no business together and advised me to dispute this with the credit bureau. 
I am suspicious that they pulled my report for someone's fraudulent purpose. I want to know why the report was pulled and under which name. In the past my social security number was used with another name to fraudulently get credit. I am suspicious of that in this case. The first time that my credit was stolen I noted a similar action when my information was used to open an account with utility company. 
I am providing a copy of my credit report. Please refer to he section reporting soft enquiries as well as Comenity Bank 's responses.
Product: Credit reporting or other personal consumer reports

Negative accounts are being reported on all three of my Credit Reports : Experian, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Product: Debt collection

I checked my credit report and noticed that a debt collector which goes by Bull City Financial was reporting and trying to collect on a debt that I had no knowledge about in return I contacted the original creditor which is XXXX XXXX with the information that Bull City was reporting ( i.e dates account was opened, amount and date of deliquency ) and was told there was no outstanding past due accounts. I than contacted Bull City to get verification/validation of debt and have never received any correspondence than shows proof this debt is mine nor have I received any form of documentation. I also filed a complaint with the XXXX XXXX hopes to getting this resolved and again received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert about an extended fraud alert being placed on my account. I never requested that. I tried to use my XXXXl XXXX XXXX & my XXXX XXXX XXXX at XXXX on XX/XX/XXXX and was declined. I checked my reports and neither of the 3 cards that I have are showing on my report nor is my auto loan with XXXX XXXX. I just paid my car payment of XX/XX/XXXX but the account is not on any of my credit reports. I logged into my MyEquifax.com account and show that someone has filed several disputes on my account and I was also informed by a representative at Equifax that a police report was filed. I have never filed a police report for a credit issue in my life. I believe I am the victim of some kind of data breach where someone is trying to establish accounts in my name without my knowledge. I am not sure the nature of the disputes and to what email the disputes were sent to and I can't get any information from XXXX XXXX about why my account was closed. I had been faithfully paying all of my accounts on time and had no reason to request a closure of my account. I fear that someone will get my cards reissued to themselves at a different address and I will end up responsible for their fraudulent purchases. I haven't received any correspondence from Equifax in reference to these disputes and that worries me because any time that I have ever submitted a dispute, I had verification via email. Nothing has been sent to me and they are allowing people to access my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Product: Credit card or prepaid card

On XX/XX/2022, we opened an LL Bean credit card at their XXXX Maine location ( world headquarters ) We were told we could get a large discount if we opened a store card. 
Unbeknownst to us, it was never mentioned that they would be doing a " hard '' pull on our credit. This has detrimentally affected our ability to qualify for the best rate on a mortgage. A simple inquiry on our credit would have been a lesser insult. We called Citibank on XX/XX/XXXX and had a very lengthy call with XXXX the self described " phone manager '' who told us there was nobody above him I could speak with. He incorrectly stated that there was no way he could switch from a hard " deep dive '' to a " soft '' inquiry. I was told by our state banking commission that a bank has 30 days to correct this. I am unequivocally stating that this was an unfair and improper use of our credit. We have the exact same problem with XXXX 's credit card. Ironically, Home Depot immediately fixed the same situation for us. We were willing to allow a harmless inquiry but we were not informed of the consequences of them making a deep dive into our credit history to the extent that it ruined our ability to get a mortgage rate we could afford.
Product: Checking or savings account

I received a letter from the Georgia XXXX XXXX XXXX regarding an unemployment claim. I never filed an unemployment claim, never lost my job and found out XXXX and Chime fraudulently opened an account with my name. I have never received an email or mail correspondence on this account opening. I have never even inquired with this bank about opening an account. An account was opened and GA Unemployment transferred funds that j am now being asked to pay as overpayment. I inquired with XXXX who referred me to chime. Sent them a police report of the ID Theft. Was told 2-3 days to investigate and report back. They have exceeded the time frame and now non responsive to my follow ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ftc file # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish my account without my written instructions.

15 USC 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.