23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in 2012, my {$200.00} XXXX Secured Credit Card was still open and was fraudulently used and allowed to soar past {$420.00} high limit. While the company gave me back my security deposit ( with no interest I might add ), they said I had to pay the balance in full or otherwise it would be reported as a collection on my credit report. Capital One should be fined for this type of activity for conveying a threat to a customer and forcing them to make payments on purchases they did not make and refuse to send any supporting documentation with my signature. I should be refunded with full restitution of any money over {$200.00} plus interest plus damages to my credit for years and having to pay higher interest rates due to their inaction and non-compliance with federal financial rules and regulations. 

Important Note : The President of the University without notice decided that no further personal mail would be allowed through the University mail system. I was a new hire and went to my superior to inform him I was still living in a motel and could not change the address to the motel as it sometimes changed based on pricing. This caused a dilemma.
Product: Mortgage

In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.
Product: Money transfer, virtual currency, or money service

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

This is my FOLLOW UP complaint that im a victim of identitytheft. Please see attached letters, with the listed items, FTC REPORT and my proof of Identity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$16000.00} XXXX  XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance XXXX : {$540.00} XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times XX/XX/XXXX Days Late 0/0/0 Remarks Paid collectionXXXX XXXX Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$320.00} XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$340.00} Payment Status Collection/Charge-Off Worst Payment Status XXXX XXXX XXXX XXXX, XXXX XXXX loan XXXX XXXX merchant XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been informed that there is negative information reported by Freedom Mortgage under my Social Security number. Freedom Mortgage reported 30 days late on my credit for XX/XX/XXXX and XX/XX/XXXX. 

I challenge the accuracy, compliance and reportability of these listings. 

I attempted to make two automated online payments on the Freedom Mortgage website unsuccessfully due to their website maintenance issues. 
Freedom Mortgage failed to properly investigate and respond to the website errors and website maintenance issues that lead to inaccurately reporting 30 days late twice on my credit which dropped my credit score tremendously. Freedom Mortgage Customer Care was not open both times I had errors on their website. 

Freedom Mortgages Customer Care representatives told me that their website is always busy on the last day of the month & they can have computer issues, sometimes interfering with the website payments because of heavy processing at night. Personally, while speaking with Customer Care I learned the screen shots of the websites error on payment that I submitted were not available on a Freedom Mortgages uploaded document. Im not sure why the complete document I submitted wasnt available for review. 

The first time I had issues making an online payment on the Freedom Mortgage website was on XX/XX/XXXX when I got an error on payment. Freedom Mortgages email response said If you are experiencing difficulties accessing your account online, we may be able to resolve this matter via telephone. The Customer Care Department was closed. I called to communicated the website issue and confirm payment on the morning of XX/XX/XXXX with XXXX, teller # XXXX. Confirmation # XXXX. XXXX recommend I send an email to Customer Care to address my concern about this payment being beyond 30 days due to the system error. 

I emailed Freedom Mortgage @ XXXX and received an emailed an auto-response stating we are in receipt of your inquiry. We are reviewing the information you have provided and appreciate your patience while we conduct this research on your account. A letter response to my inquiry was sent to my mailing address stating to please allow up to ( 30 ) business day for a response. Freedom Mortgage failed to follow up or respond. 

This happened again. I attempted to make an online payment on the Freedom Mortgage website twice on XX/XX/XXXX and got an error on payment. My attempt to make payments was prior to XXXX XXXX ( Eastern time ). I was concerned that I made two payments. The next morning on XX/XX/XXXX, I called Customer Care & communicated I had website error last night. Freedom Mortgage has notes in system, a one-time draft / payment was made, they waived processing fee because of the error last night. I was advised by the Customer Care representative that I could email XXXX that the website gave the error message. Confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Who gives XXXX, XXXX  and Transunion The right to judge a middle class American? I've disputed time and time again about identity theft and I'm held accountable. I have police case numbers for each fraudulent information on my reportd. 
How are you the CFPB monitoring these agencies? XXXX was hacked into and my information was once again used fraudulent by the people who stole my info through XXXX 's lack of security! 
The US government gives us a social security card when we are born. Who protects are information? 
I've worked in HR running background checks and 6 out of 10 reports would come back saying the Social Security number was being fraudulently used. It would always happen to an American citizen who was under working age. There ss # was being used by XXXX  20-50yrs old. It would be undetectable until the rightful owner of the ss # became of working age. 
I'm so frustrated being judged by 3 credit bureaus who exchange the same credit fraud information, like in my case. This is XXXX   at it's best! Judging me, a middle class worker violated by credit fraud and punished for it. Once you set an alert or freeze no one will approve you fir anything! This whole process needs to be reevaluated to keep it fair! Please have XXXX XXXX call me to discuss this whole situation. I'm tired of defending and fighting the credit bureaus all the time! 

Kind Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card XXXX XXXX These two accounts are fraudulent and werent authorized by me at anytime.
Product: Credit card

Someone attempted to open a Chase Credit in my name.

They cancelled the app and were supposed to remove all the hard credit pulls from my credit reports. They never removed the hard pulls and it has been about a year!!
Product: Debt collection

Caller asked for " XXXX XXXX '', who is unknown to me. Asking for identification, they refused to give that information, stating that this was a " personal business matter '' for the aforementioned person. Their number showed up as one from XXXX, NC, and after calling them, I discovered they are located in XXXX, FL and go by the name of " Diversified Consultants Inc. ''.
Product: Mortgage

My loan was transferred and I was never notified. It is my understanding they 're supposed to notify me 15 days prior to the effective date. It 's effective as of XXXX/XXXX/2016 and I was never notified ( Today is XXXX/XXXX/2016 ). My escrow is also down to XXXX and I 've got my property taxes due as well as my homeowner 's insurance. My homeowners ' insurance is due by XXXX/XXXX/16. My last payment was made on XXXX/XXXX/2016 as well, but I was n't notified it was transferred, so I made the payment as usual. As of today, payment has not come out of the bank either. 
Loan is with United Wholesale Mortgage.
Product: Debt collection

I sent company a refusal to pay, they replied claiming they can't find me in their system. see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX  data breach & may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My personal information was leaked in several data breaches and I believe these inaccuracies are the result of a data breach that compromised my credit report. Despite my attempts to resolve this matter directly with Experian, the inaccuracies persist, and corrective action has not been taken.The disputed accounts are as follows : XXXXXXXX XXXX  account number : XXXX balance {$1300.00} and XXXX account number XXXX balance 0 ( Reported Charge -Off : {$9800.00} ). I do not owe. I have no record of any transaction or debt associated with these accounts.15 U.S.C . 1681e ( b ) : consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. These errors fail to meet that standard. 15 U.S.C. 1681 i ( a ) Upon dispute, consumer reporting agencies agencies must conduct a reasonable investigation.Experian has failed to to verify the accuracy of these accounts or provide any documentation substantiating their validity.15 U.S.C . 1681c ( a ) : Certain adverse information may not be reported if it can not be verified or is inaccurate. These accounts, resulting from a data breach, should not remain on my credit report. These inaccuracies are severely damaging my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX received my XXXX report, and I noticed an organization that is listed Kia Motors I have entered a consumer credit transaction with Kia Motor finance charges. A consumer credit transaction is a transaction in which a finance charges was involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance s charges is the sum of all charges I was not expecting to see a charge off on my report. 15usc 1692 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information provided on the XXXX Credit consumer reporting agency violates my consumer rights based on Violation of FCRA Section 605 ( a ) Reporting Outdated Debt : I have noticed that XXXX XXXX  XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2014 2014
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my First Progress Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX
Product: Debt collection

Company : Rent Recovery Solutions LLC Acct # : XXXX Issue : Reported a {$150.00} collection on my credit report XX/XX/2021. 
-I did not receive any call or correspondence prior to this or I would have notified them that the charges were fraudulent and due to unethical business practices on the part of the company ( XXXX XXXX XXXXXXXX ) that hired them. 
- XXXXXXXX XXXX XXXXXXXX has a track record of falsely charging their former residents for unfounded cleaning costs ( see attached XXXX, XXXX, XXXX, XXXX ). Similar to those tenants, I cleaned my apartment and yet I was charged {$300.00} for falsified claims. 
- According to the lease created by the Texas Apartment Association and utilized by XXXX XXXX XXXXXXXX, a landlord may not charge former residents for things that do not exceed normal wear and tear ( see attached doc LeasecontractOnCleaningCharges ) Yet they falsify cleaning charges that fall under normal wear and tear and make them appear like valid charges ( see attached receipts ) Their carpet cleaning vendor clearly states on its receipt that the carpet only had normal wear. They also falsify other cleaning charges using a zoomed in speck of leaf/herb in the sink to claim a dirty sink or claiming a dirty refrigerator when you can clearly see in the video that the refrigerator and freezer were clean. 
- After calling Rent Recovery LLC for weeks without being able to speak to anyone, I filed a dispute with XXXX on XX/XX/XXXX. 
- Kept calling Rent Recovery LLC and finally reached them today XX/XX/2021. The specialist in charge of my account refused to give me any information stating that my account was on hold because I filed a dispute ( an attempt to penalize me for filing a dispute on false charges ). 
- I finally spoke to another specialist who told me that the account was on hold and that a deletion request had been filed with XXXX  on XX/XX/XXXX because they had not heard back from XXXXXXXX XXXX XXXXXXXX. She stated that perhaps XXXX was still updating their system to show the deletion. 
-I requested to speak with a supervisor to corroborate the information, but I was refused the opportunity to speak to a supervisor unless transferred by my own account specialist who had hung up me earlier and had declined answering subsequent calls. 
- I called XXXX to confirm what Rent Recovery had told me. A supervisor at XXXX told me that they had not received any deletion request from Rent Recovery. 
-This is unconscionable and should not be happening to consumers. This fraudulent item on my credit report is showing up as a landlord debt and as such I am unable to get a place to live. 
- Renter 's Recovery can no longer claim plausible deniability because they have been notified about the issue and sent all the documents, first by XXXX and now by me. Instead of rectifying their error by removing this false charge from my report, Rent Recovery LLC is colluding with XXXXXXXX XXXX XXXXXXXX by prolonging an injustice. This item has already been on my report for 4 months and should be removed 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 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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX