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

This been a on going affair XXXX XXXX XXXX  account is paid off still showing on account XXXX. 

Net credit  XXXX opened in XXXX XXXX XXXX open in XXXX XXXX XXXX opened in XXXX
Product: Debt collection

I am writing to delete the following Information in my file.The item I need deleted are listed in the report. I am a victim of identity and I did not the charge. I asked that the item be deleted to correct my credit report. I reported the theft go my identity to the federal trade commission and I also have inclosed copies of the Federal trade commission identity affidavit. Please delete the items as soon as possible.
Product: Payday loan, title loan, or personal loan

Applyed for PAYCHECK PROTECTION PROGRAM and Bank of America did not denied me or approved for loan till program is not closed and did not give me option to file any complaints or action to try fix my problem.
Product: Debt collection

In the XX/XX/XXXX, I received a phone call from American Credit Resolution stating that I owed them money for a XXXX membership. Three of my family members received a call as well from a rep that was looking for me. I told the rep that I do not want any of my family members contacted and that I do not owe XXXX any money. I was a member of XXXX around XXXX, but not XXXX. I ignored the two other contact attempts from ACR as they did not provide me proof that I owed any money. I did not hear from them again until XXXX. 
On Friday, XXXX XXXX I recieved a call from an unknown number around XXXX. My father told me he also just received a call from an unknown number and the person was looking for me. On the voicemail a woman left me, she stated- this is a reminder that if I did n't call her back regarding a pending claim that she would be out to my home and place of employment to serve me papers. I was not given any prior warning of anyone serving me papers. I called the number back that she left and spoke to a XXXX XXXX. He also told me that I owe XXXX for debt from XXXX and that if I didnt set up payment arrangements with him, they will be serving me papers and taking me to court where I would have to pay over {$2000.00} for legal fees and the debt. I told them again I do not want my family members contacted and that I do not owe this debt. I also asked for proof or documentation that I owed this money. He threatened to sue me again, so I gave him a credit card number that I knew wouldnt go through because I was scared and wanted to talk to a lawyer. 
I recieved a credit card auth form to sign and send back, and a payment arrangement form from a XXXX XXXX at XXXXXXXXXXXX. I did not sign these forms or send them back. 
I received another call from XXXX XXXX on Friday XXXX XXXX from a number- XXXX, different from the number he gave me to call him-XXXX, also different from the phone number on the letter they emailed me- XXXX. He said the payment denied and that I needed to call him back with other payment arrangements or XXXX XXXX would be out to my home that day with a legal summons to appear in court. I did not call back, and she did not go to my home. 
I received yet another call from a XXXX XXXX on XXXX XXXX where she stated that if I didnt call back, she would be out to my home or work between XXXX to serve me papers. She gave a case number of XXXX, not sure what that case number is for. I did not return her call.
Product: Credit reporting, credit repair services, or other personal consumer reports

So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Product: Credit card or prepaid card

On XX/XX/17 I purchased {$610.00} worth of autographed pics on line from XXXX XXXX and we never received the merchandise we contacted the seller to no avail and ultimately filed a dispute with my credit card company citi card. The agent of their company handling the call mistakenly entered a fraud dispute instead of a billing dispute. After many months of going back and forth this error was finally corrected and a billing dispute was opened on XXXX of this year. By time this happened however citi had yanked the {$610.00} from the retailer and then since it was the wrong dispute they returned the money to XXXX XXXX. Clearly once money is returned citi can not for e the retailer to give it back so of course the retailer is refusing to do the right thing and now so is citi. After 9 months of fighting and going back and forth with citi they have closed both of these disputes and claim Im out of luck. Problem is according to federal law I should not have to pay for merchandise I clearly did not ever receive. And my credit should not be damaged as a result not should I be held liable for a mistake their employee made in the first place. I am seeking restitution from citi and to  have them write this money off as it was their mistake not mine and I want my credit which they have damaged to be restored regarding this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, ( XXXX ) XXXX, XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding *TransUnion*, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within XXXX business days of receiving this complaint. *Fraudulent Accounts to be Removed : * *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, $ XXXX The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my FICO credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, we requested a forbearance on our VA mortgage loan through our lender, AmeriHome. This was due to my husband 's loss of employment in XX/XX/XXXX. We were granted the forbearance, which ran through XX/XX/XXXX. We were instructed in XXXX to call about starting the process for a loan modification, which we did. We were approved for the modification, and told that the missed mortgage payments would be added to the end of our loan, extending the repayment period. When we received our loan modification paperwork, our mortgage payment increased by {$700.00} per month. When asked about it, we were told this was due to the higher interest rate we incurred during the modification. We were not told ahead of time that our interest rate would change. We had no choice but to agree to the modification, as the only other options were foreclosure or repaying the full amount which was not an option for us. I have called several times stating that this increase in our mortgage payment is creating a financial hardship. We are not eligible for another loan modification and we are not eligible for an IRRL due to the decrease in our credit rating from the forbearance/missed mortgage payments. We are stuck in a mortgage that is costing us $ XXXX. We want to stay in our home, but want a lower interest rate on our mortgage to at least the rate we entered into at purchase ( monthly mortgage payment was {$3900.00} ). 

We feel like we have no options, and according to VA loan administration, we were misinformed by our lender about our options for the modification.
Product: Mortgage

The 2nd position loan company ( Specialized Loan Servicing ) ( SLS ) doesn't seem to want to negotiate with me on my property. I did a loan modification on the First position loan and immediately the 2nd position asked me to make sure that I don't let my loan go into default. ( see XX/XX/2018 letter from SLS ). Because the equity position is not there I was hoping to either do a loan modification on payments with my 2nd position loan, or have them write it off and send me a XXXX, or if it is a small amount they would want that maybe I could pay it off and settle with them. I have tried with numerous communication attempts including filling out the paperwork for hardship cases. Because of my medical condition with XXXX  XXXX XXXX I was hoping to work something out on the property so I could continue to live in it. It took me much longer than I anticipated to receive my social security XXXX but I would like to remain in the property. I have sent the paperwork and will attach along with the copies of them receiving the registered mail. I have enough stress with my XXXX to be treated this way from the mortgage company. I want something in " Writing '' from them, but I have given them my email, phone number ( sometimes difficult in the mountains of AZ ), and of course they have my mailing address. Because I travel from my home to XXXX AZ for medical treatment I am usually unavailable to get my mail for sometimes from 4-6 days. Please have them respond to me so I can work something out.
Product: Credit card

On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face!
Product: Payday loan, title loan, personal loan, or advance loan

I applied for and received my original personal loan from One Main Financial in XX/XX/XXXX. This loan was secured by the title of my truck. My truck was a XXXX XXXX XXXX, in great condition. I had my payments on auto pay ; and refinanced my loan in XX/XX/XXXX. The need for the loan was to help with financial obligations during the pandemic ; when my work hours were reduced. On my loan I elected to have the XXXX and loss of wage insurance ; which I paid for monthly with my loan payments. My loan payments were being made, without missing any payments until I was hurt at work XX/XX/XXXX. I was then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint on XX/XX/XXXX. I stayed in contact with the representative at One Main Financial ; and also my mother did as well. The insurance covered a few months of payments, then they were asking for additional documentation ; which I provided. They reduced my payments to half, while the insurance company was reviewing my documents. The doctor signed all the required documents, and I submitted them to One Main Financial and their insurance provider. But, they said they could not accept the documents from the doctor ; because he didnt put a return to work date. From the work injury I have nerve damage in my back, and the doctor had no exact date as to when I could work again. I explained to all parties that I was also terminated ; so if they could not approve the XXXX because there is no return to work date ; I am still unemployed and the insurance should still be covering my payments, due to lost wages. They did not, even though I had paid for this insurance for 2 years. My truck was repossessed for non payment ( which they knew I had no income ). They are now trying to seek an additional {$9000.00} AFTER repossession, and selling my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its bout one late payment happened last year the company never sent me a notice to my email or even at my mailing address, one morning I wake up and see my credit score dropped XXXX  points I immediately called them to resolve it and made the payment and then I thought I will get back the XXXX  points I lost, I never did, I called the company multiple times to resolve this issues, all they give me is running around its been months since Ive been dealing this problem Im losing money cant sleep Im stress out. Cant rent apartment cant get a loan its been nightmare.. any thing you guys can do to help Ill greatly appreciate it. 
Thank you!
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than 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.
Product: Credit reporting or other personal consumer reports

I noticed this problem on XX/XX/XXXX Hard Inquiries : XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im buying second home and find out theres a account from XXXX XXXX XXXX XXXX on my credit report and it doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just successfully started credit freezes with XXXX and XXXX, but I have had problems trying to initiate a freeze with Experian. I first tried to do so at Experian 's online freeze center, but after entering relevant info, including SSN and other details, I was told that my account could not be established. Some of the questions that came up along the way seemed irrelevant to my credit history. I then tried their phone, based on info at their website : XXXX. I talked to someone and repeated the relevant info, and that person kept asking me questions, some of which seemed irrelevant to my credit history. After roughly half an hour, I had to terminate the call without resolution. I have since tried to recontact Experian. When I go to their website https : //www.experian.com/help/ and click on the options for a freeze, I repeatedly am directed to a screen that fails to load : https : //www.experian.com/ncaconline/freeze This has been the case for the past 24 hours. I also have gone back to the same phone on which I had talked to an Experian agent ( the number above ), but when I do so I am first asked for my SSN, and when I enter it, I am given an option to get my credit score but it has so far been impossible for me to speak to an agent there. I am therefore locked out from online help and from phone help, and their info provides no other ways to contact them.
Product: Checking or savings account

Hi, let me briefly explain my situation. Back in the month of XXXX, I got involved in this app called XXXX, I'm sure most people heard of this by now. Essentially, if you get new app referals, it counts towards winning big items like switches that were legit and everything. I was involved in this XXXX XXXX  server for a while and they had this system of verified sellers that would sell referals for people to complete their game. This one specific seller called XXXX sold new app referals and sold quite a few for some time and got the trusted seller role as he built his reputation. Eventually he started offering referal sales for a XXXX XXXX  to which dozens of people bought because he was trusted. I paid this guy {$120.00} through XXXX on XX/XX/XXXX, and he ghosted everyone who paid within a few days. I waited 2 days and I realized he left with my money and learned that others were scammed as well. I also reached out to XXXX  who only gave robotic responses as well as those online who had similar situations with XXXX. I filed a chargeback with my bank Chase and gave sufficient evidence in a PDF file that I was scammed as well as others and I did not receive my goods and services specifically. I was confident I would win the chargeback due this story I saw. 

XXXX XXXX XXXXXXXX I also learned from another person who was scammed on the PDF file, that she got her money back of {$150.00} with her bank XXXX. On XX/XX/XXXX, Chase contacted me for more information to which I specified I never receieved the referals that XXXX was selling, and I was just notified XX/XX/XXXX that my claim was denied, and their reasoning was because XXXX refused the claim and that there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Looking at my credit report I notice that it is showing several late payments. These companies that are reporting late payments and do not have written consent to report this on my credit report according to 15 USC 1681b. Please have this corrected and removed from my credit report.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX  I did not approve or authorize this credit card the amount XXXX XXXX balance is XXXX the date account was closed is XX/XX/2024
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 address fraud on their platform leaving my account vulnerable and unprotected.Futher more their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.