23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX  XXXX  and their comptroller, Aqua Finance became a procrastinating protracted, civil matter which originated with a still incomplete and poorly applied incomplete workmanship regarding three shower renovation projects during the Spring of XXXXAll attempts to resolve the outstanding issues and including a professional inspection of the alleged completed and incomplete work product to observe the obvious poor workmanship was declined by XXXX  XXXX  ( guest shower didn't produce hot water because of a XXXX XXXX  installed, defective shower cartridge pressure valve, a glass shower door detached itself from its ' framing after having been installed in my basement shower, and the use of Velcro to attach several items within each of the three showers was everywhere ) XXXX XXXX  XXXX  NEVER sought to obtain the required necessary permits via any local government regulatory agency.I waited three years before I sought a professional corrective action response from the XXXX  XXXX XXXX  and their XXXXr, Aqua Finance, to no avail.I have recently had two of my three showers professionally renovated and completed ( XXXX ).
Product: Mortgage

Our mortgage was transferred from XXXX XXXX XXXX to New Rez Finance last month. XXXX XXXX XXXX processed our COVID Forbearance in XXXX and per several conversations and paperwork, the amount ( {$44000.00} ) during the forbearance period would be transferred to the back of the loan. As of XX/XX/XXXX, New Rez took over our mortgage XX/XX/XXXX and XXXX XXXX XXXX did not include the forbearance period amount to the transferred mortgage. Unbeknownst to us, we receive a separate mortgage in the mail by a company called XXXX XXXX service requesting the entire forbearance amount of {$44000.00} dollars without any notification XXXX XXXX XXXX XXXX. Our first mortgage payment to New Rez was submitted on XX/XX/XXXX through bank ACH from XXXX XXXX XXXX XXXX. The payment was processed, cleared and confirmed by XXXX XXXX. Upon logging into my account to make XXXXXXXX XXXX payment, I noticed the XXXX amount was showing not received. I contacted XXXX XXXX and they confirmed there was a tracking number through the treasury, and the payment was received by New Rez on XX/XX/XXXX. XXXX XXXX initiated a dispute for the payment, and I resubmitted another payment to New Rez on XX/XX/XXXX to avoid our credit being impacted. I just logged into the New Rez account and the balance shows we are now owing XXXX and XXXXXXXX XXXX payment. XXXXXXXX XXXX payment was made on the XXXX and withdrawn from our bank account just like the payment made on XX/XX/XXXX. I was purposely waiting for XXXX XXXX  period to process prior to making XXXXXXXX XXXX  payment, but our account shows no credit to the account for the last payment made. I also firmly believe once our mortgage was updated to reflect our XXXX Veteran tax exempt status, XXXX decided to sell our loan; and they were also dishonest in their process regarding the COVID forbearance. I spoke to New Rez on XX/XX/XXXX when I made the payment which was processed over the phone by an agent. I don't know where the payments are going, but I am not comfortable about this entire process with them. I see incompetence from a company who can not even track mortgage payments they are collecting. This is also straining us financially, and not to mention the additional mental anguish. Please investigate these two companies for unfair mortgage practices. Thank you for your time.
Product: Checking or savings account

On XX/XX/2022 I transferred money a total of XXXX dollars from my XXXX account to my XXXX Chime bank account. The transfer went thru. In the next couple of days the Chime card worked fine. Around the XXXX of XXXX I ordered a pizza. When I went to pay. I was declined. So I look up my chime account and I'm XXXX XXXX dollars exactly the amount that I spend the last few days. I end up calling Chime to get answers and got the run around for about 4 hrs. I was told to take pics of my transactions and my transfers and send them to customer service which I did. That was last Friday. It's now Tuesday the XXXX of XXXX. No answer back. My account has been closed by them. Everytime I try and call Chime it just hangs up on me. The system recognizes My phone number and says your account is closed. Goodbye " click ''. They never said they were closing my account. They didn't say that they were sending me a new card. They just closed it with no reason as to why. I have all the info. The money just disappeared. It is something internal with Chime. There are thousands of people online that have had or is having the same problem as I. I'm on XXXX losing this amount of money is devastating for Me. I hope you can help me get some answers and get my money back.. Thank you.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/20 - XX/XX/20 my PayPal account was compromised. Some of the unauthorized charges were refunded but I still have an outstanding charge of {$8.00} that has been charged to my PayPal account that needs to be refunded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Erroneous account direct violation of 16 CF 444.4 Late ChargeXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 9. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting

File number XXXX dated XXXX/XXXX/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG
Product: Student loan

Due to the recent allegations that have been filed with Navient, I wanted to confirm that my students loans were not affected in any way ( e.g., Lost paperwork. Misapplied payments. Surprise late fees. Processing delays, etc )
Product: Debt collection

CONSUMER ADJUSTMENT CO. HAS FRAUDULENTLY PLACED A MEDICAL DEBT ON MY XXXX CREDIT REPORT Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service.
Product: Mortgage

We are experiencing wrongful foreclosure proceedings by Home Point Financial - haven't missed a payment with the exception of an approved forbearance period of 3 months. Funds from a FHA Disaster Partial Claim Modification ( to pay for  forebereance months ) have yet to been applied a year after signing documents. 

After Hurricane Irma ( XX/XX/XXXX ), Home Point Financial ( our mortgage bank ) offered a 3-month forbearance ( for XXXX, XXXX, XXXX ). In XX/XX/XXXX, we continued with our monthly payments until XX/XX/XXXX. On XX/XX/XXXX, we submitted paperwork for an approved FHA Disaster Partial Claim modification that would cover payment for forbearance months + XX/XX/XXXX ( while the modification was setup and took place ) in the amount of {$10000.00}. We were instructed to resume payments in XX/XX/XXXX, and we have sent our monthly payment without failure to this date. 

However, as of today XX/XX/XXXX ( a year after we submitted documentation for the FHA Disaster Partial Claim modification ), the funds have not been applied to the account. In the bank system, we appear delinquent to the amount that equals this modification and regardless of our multiple attempts to call attention to the bank to review this anomaly, we have been told that their system is correct and that we must pay in full that amount. 

We sent a letter* dated XX/XX/XXXX to several offices of Home Point in multiple states with copies of all checks proof of our  regular payments. Should the FHA modification funds were applied, we would not be delinquent. We doubt they read our letter. On phone call in XX/XX/XXXX we were told that because of our delinquency our account was sent to legal department to initiate foreclosure proceedings. *letter attached to this claim. 

Checks with mortgage payments for XXXX and XX/XX/XXXX were returned ; we sent XXXX 's payment but won't be surprised that is also returned. At the moment our delinquency totals 7 months : 4 months covered by the FHA modification + XXXX, XXXX, and XX/XX/XXXX. We have placed the funds for the returned checks aside so that when the bank starts accepting payments again, we will be able to submit. 

For months we have received calls from debt collectors, and experienced dismissives from multiple bank associates and managers - because in their records their files are accurate. They don't seem to realize the FHA modification funds are missing! 

We need help locating the FHA modification funds and having them properly accounted towards our account so that we can bring our loan account current, and stop the wrongful foreclosure proceedings.
Product: Debt collection

This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.
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 CFPA. Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This is now the fourth time someone in a completely different state has opened a checking account in my name with my social security number at Bank of America. I call every time and I have to sit on the phone for 40 minutes to get them to close it. Every time I ask them to put a block on my name and Social Security number at their bank because I will never open an account with them. They say that people can open these accounts online using my information but accounts aren't " active '' until they go to a branch with forms of ID. That is great and all but I keep receiving debit cards to my address, statements with attempts to cash fraudulent checks, etc. I have blocked my credit report so they can not open a credit card, but for some reason it continuously allows them to open checking accounts. 
I received a text today that someone opened ANOTHER account in my name and tried to use the debit account at a XXXX in IL. I am fed up with taking time out of my day to fix a problem that is not mine. All the representatives I have worked with at BOA have been so helpful and amazing- however they are only temporarily fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are 0 there is nothing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. Here are the list of items that needs attention in my credit report : XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I hope all is well.. 

I just want to start off by saying thank you very much for having a credit card with Macys for all these years it really has been great and a pleasure but Im not for sure why I was charged {$37.00} in interest if I paid the full balance off before the due date. Can you please take off the interest this must be an error. Thank you for your time. Have a wonderful day and please be safe.
Product: Student loan

They sent out emails about updating my income for my repayment plan. I tried to do this on their website to which I received a 404 error, several times and across several days. I emailed customer service for help and even included a screenshot of the error and received no response. I also filled out a form on their website and they did not even read my issue as their response was generic information about the repayment plan. Without further communication from their customer service team my payment went from {$250.00} to {$1700.00}. Additionally, this isn't the first time I've had communication issues with this servicer, their customer service is horrendous. I do my part and pay on time every month. They should do theirs and SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX FiledXX/XX/XXXX Charge off Last UpdatedXX/XX/XXXX Experian - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XXXX Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX ''XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Equifax on or about XX/XX/XXXX after I received my credit report. I noticed a lot of inaccurate information and decided to dispute and ask for validation. I started with inquiries that I did not authorize. I wrote a letter to Equifax and haven't received a response. Under the FCRA 30 days is typical. I was able to get the CEO 's email after my many attempts to call and resolve these have failed. My email went unanswered by XXXX XXXX. 

The FCRA states the only permissible purpose for pulling someones credit report is ) - Firm offer of credit - insuarance - employment - a court order none of the below do, and i repeat none of them had/have my permission to pull. 

- XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have contacted this company via phone, email and USPS more times than i have can count on my fingers and am now asking the CFPB to step in and help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my rights according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE