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

XXXX XXXX XXXX XXXX ( XXXX ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at XXXX and 3 disputes with the credit bureau. XXXX falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation XXXX has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to XXXX for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.
Product: Mortgage

I applied for a loan modification 37 days prior to a XX/XX/2018 foreclosure sale date - I demanded that the sale date be cancelled according to the dual tracking clause on the regulation x law- Shellpoint did not do that. Mid XXXX I was notified that a modification had been approved and the sale date placed on hold. I accepted the modification with 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint has  reset another foreclosure sale date of XX/XX/2018 even though a modification has been approved and I am planning to pay in XXXX. So far my home was advertised 4 weeks in XXXX and now is being advertised 4 weeks in XXXX even though I have been given a modification. According to Shellpoint s letter which stated they would not do same. Also according to their letter, the first payment is due XX/XX/XXXX, and if not paid by the end of XXXX, the modification would be cancelled. that means that I can actually pay on XX/XX/XXXX. I do not trust Shellpoint with a foreclosure sale date of XX/XX/XXXX. With those terms they may reset another foreclosure sale date in XXXX, and XXXX advertising my home another 4 weeks each month - that could be a total of 16 weeks falsely advertising my home with foreclosure sale dates while I am making payments. I believe this is illegal and have spoken to an attorney - it is very stressful for me to face this type of illegal action. I am Demanding that XXXX be honorable and cancel the XX/XX/XXXX sale date
Product: Money transfer, virtual currency, or money service

I tried to buy a telephone off of a website called XXXX. The man called me on my phone and had me transfer him money through zelle bypassing the offer up delivery charges. I offered to pay half ( {$240.00} ) now and the rest ( {$240.00} ) after I received the phone. He said he needed the money urgently for rent and would like the rest of the money as soon as he sends me the tracking number. I obliged trying my best to be quick. When I received the package instead of a phone the was a cupcake with only the return address of the cake shop. I tried to get his address from them. With no luck. 
I have screen shots & an email & a phone # with I am now blocked from. I requested the money back in Zelle several times & was ignored of course.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ).
Product: Mortgage

I have a Regions Bank HELOC where I make advances, use the money for an undefined amount of time, and then request a paydown to bring the balance down to XXXX. I pay off the amount that is requested in the letter and Regions follows up with asking me for additional money. This has happened three times this year. With this most recent transaction which I will provide documents for I have a Paydown letter dated XXXX with an amount good through XXXX. I took to the local branch a certified check on XXXX matching the requested paydown amount. I asked the local branch if I will owe anymore money and she said no, you've paid the amount on the letter. I've now gotten my statement and Regions is asking me for an additional {$7.00}. The first two times Regions asked for additional money, I worked it out with the local branch and was credited the amount requested. I am still working with the local branch as to why every time I paydown the account to XXXX Im asked for additional money, but they have yet to provide a satisfactory answer. The most recent answer is that the additional interest is based on the average daily balance calculation. I feel as though the computer system should know at the time of requesting the paydown what the average daily balance is and they should never be asking me for additional money if Im paying down the balance on the day the letter is requested for. ( In this case, there was one initial advance with no additional transactions that occurred. ) The first time I wanted to paydown the account, I accidentally ordered a payoff from them. The amounts on the paydown and payoff were the exact same, so that tells me that the computer calculates both the same way. The practices of Regions Bank regarding paying down a balance followed by charging additional interest is fraudulent. If its happened to me, its happened to thousands of people and unless Regions can explain specifically why they charge additional interest, I feel as though this could be highly illegal and a way to earn additional money from unsuspecting clients. Being Ive been in the same situation three times this year tells me that their system is doing the same thing with every customer who pays off or pays down their account. I cant imagine how many tXXXX XXXX XXXX XXXX XXXX  Regions Bank makes by having this deceptive practice in place. My guess is that most people just pay the additional money without thinking twice as to why. This practice needs to be brought to the attention of someone outside of Regions because nothing has changed this year after each of the times its happened to me. ~ I got final word that their mortgage department doesnt typically agree to credit the additional interest amounts.
Product: Credit card or prepaid card

A line of credit was successfully opened under my name without my knowledge or consent.
Product: Debt collection

Received a letter from Lloyd & McDaniel , PLC on XX/XX/year> that states they have bought our debt from XXXX XXXX XXXX XXXX. They said in the letter that they would no longer accept debit card payments after XX/XX/year>. The letter states that we can pay by electronic payments from our checking account. However, when we tried to do that, there was no way to do it due to not knowing what our account number is. We sent them a check in XXXX. After numerous tries to get the account number from them and the payoff amount, they have refused to give it to us. We went through a move from our home and some illness so we just planned on paying it off after closing on our house in early XXXX. Now, after no cooperation from them, they have put a lien on the house without informing us.This does enable us to just pay it off when the house closes but the lack of cooperation and communication from them is maddening. Also, this debt has been sold 3 times and is from at least 20 years ago. We have been paying on it after going through a debt consolidation program from XXXX XXXX which is a bankruptcy law firm. All the other debt they helped us with was dismissed and/or paid off. This one keeps being sold. Also, this doesnt even show up on our credit reports.
Product: Debt collection

According the FCRA AND FDCPA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices. 

They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name. 

I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA. 

The accounts are listed below : XXXX XXXX XXXX 15 US.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union ( NFCU ) for what I believe to be unfair treatment and possible discrimination regarding the handling of my account restriction. 

In 2019, my account was restricted due to a mistake involving the deposit of an incorrect check. Since then, I have taken significant steps to address the issue, including resolving all discrepancies and maintaining positive financial accounts with another institution, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I have even offered references to demonstrate my improved financial responsibility. 

Despite these efforts, Navy Federal has repeatedly refused to lift the restriction on my account. Their recent correspondence cited unsatisfactory account management as the reason but failed to acknowledge the corrective measures I have taken. I feel this decision does not consider my current financial standing and may reflect biased or discriminatory practices, as it denies me access to essential banking services despite my demonstrated improvement. writing to formally escalate my concerns regarding your decision not to lift the restriction on my account ( s ). While I acknowledge past issues from 2019, I have since taken significant steps to correct them, including maintaining a positive financial history with another institution and providing references to demonstrate my progress. 

I feel that this decision, despite my efforts and evidence of improvement, may reflect unfair treatment or discrimination, as I am being denied access to essential banking services. This impacts my ability to manage my finances effectively and raises questions about how my case was evaluated. 

As a result, I will be filing a formal complaint with the XXXX XXXX XXXX to seek further resolution. I hope we can revisit this matter promptly to avoid further action and achieve a fair outcome.
Product: Credit reporting or other personal consumer reports

I noticed a Bankruptcy XXXX XXXX XXXX XXXX XXXX on my credit report and disputed it with the credit bureaus in XXXX ( LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX XXXX XXXX asking that they verify the information. Being an XXXX, this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus XXXX, XXXX and XXXX XXXX in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called LexisNexis, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX is reporting inaccurate information on my XXXX XXXX XXXX, account they are in violation in my consumer rights i was on time with my payment back in XX/XX/2019.
Product: Debt collection

Original Creditor - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

Date on XXXX - XXXX XXXX. XXXX ( I never attended during this time. ) Statement Date from XXXX : XX/XX/XXXX ( attached ) Payment Made by XXXX  XXXX in XXXX of XXXX for XX/XX/XXXX - XX/XX/XXXX ( attached ) XXXX provided Debt Company a Falsified Statement with the same charges numerous time. ( See Statement attached ). Amt. stated as owed XXXX. 

Neither Creditor or Agency can explain the Statement or tell me why this is owed. 
I'm a Texas Veteran and used my Ch. 33 VA-EDU benefits XXXX Which paid for the Course in FULL ( see VA receipts attached ). 

XXXX  Billing department will not provide me any information. Will not send proof or explain details of Statement. I've been harassed for over 4 years & this account was at one time deleted from my Credit report due to XXXX not being able to verify statement. 
Please assist & investigate account.
Product: Credit card

I used Chase Sepphire Preferred card as they provide insurance for trip cancelations. My flight got canceled due to weather. When I filed the claim they refuse to refund my partial ticket even though my flight was canceled due to weather. I provided all the proofs including the new ticket I had to buy to get back home but no luck.
Product: Money transfer, virtual currency, or money service

Cash app. I began complaining XX/XX/XXXX. Due to missing funds. I got no resolution. 
XX/XX/XXXX I continued to complain. Now they were making account decisions on my behalf and I was no longer in control of I ever really was, of my own account. 
Today XX/XX/2024 I have come to feel that they may have possibly further stepped in control of my account due to my linked debit card account with XXXX having a balance of {$2100.00} missing with no trace as to where the money went. Neither company is taking any responsibility, not able to explain anything to me as to where the money went and I have learned through this situation they both can just type in new information to change the what I can see online. Only they even if they add transaction record to a ledger they can't just change my balance to match it. I just want my money back. I am complaining about both companies.
Product: Debt collection

I am submitting this formal complaint regarding TrueAccords persistent and unwanted communications concerning an alleged debt that is over 15 years old. Despite my previous request that they cease all communications with me, they continue to send multiple emails each week.

TrueAccord has acknowledged in their own correspondence that they can not take legal action against me nor report this debt to any credit agency, yet they persist in contacting me. Their continued attempts to collect on this outdated debt are not only unwarranted but also harassing.

TrueAccord has sent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent a formal letter requesting that they cease communication on XX/XX/XXXX, yet they have continued to contact me on XX/XX/XXXX, XXXX, and XXXX. 

The alleged debt amount is {$3400.00}, and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debt collectors cease communication with me. I formally exercised this right, yet TrueAccord has failed to comply. Their actions constitute a violation of my consumer rights, and I request that the CFPB take appropriate action to enforce compliance and prevent further harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 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

XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with XXXX, Equifax, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX XXXX was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!