23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need help and I don't know who to reach out to. 

My problem is that every other month or I find that I am getting calls telling me that my account is past due - when it is not. I have always paid my mortgage in two payments and since I retired ( as a XXXX XXXX XXXXy XXXX ) my 1st partial payment is the last Wednesday ( i.e. XX/XX/XXXX ) of the previous for the next month ( i.e., XX/XX/XXXX ). 

I received a very upsetting call today from someone ( a gentleman ) who was very obnoxious and insisted that I needed to pay my XXXX mortgage which includes late fees. After several attempts of explaining to this person that I don't have an outstanding balance due, I relented and said that if need be I would take this up with Consumer protection, he told me that I didn't know what I was talking about and that he was looking at my account, I said I too am looking at both the mortgage and bank statements and that I needed to explain -- he cut me off and said I'm not going to argue with you and hung up I have attached my bank statements commencing with XX/XX/XXXX to the end of XX/XX/XXXX, highlighting what each payment was for and when it was posted for NewRez. Also included are copies of upcoming payments for XX/XX/XXXX. 

It's so confusing, it's like a shell game, I'm told that NewRez services the Mortgage for XXXX who as it turns out provide no assistance at all. 

If you can't help me, can you please direct me to someone that can. I would be ever so grateful.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX  ) XXXX
Product: Credit card

Kindly review the enclosed files. I request the bureau to initiate an inquiry into these accounts. Despite my consistent punctuality, they are incorrectly documenting me as late.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding account XXXX XXXX XXXX XXXX 
via XXXX XXXX and received results that my dispute was verified/updated on XX/XX/XXXX. I then submitted a procedures request in accordance with 1681i ( 7 ) / FCRA 611 ( 6 ) ( B ) ( iii ) that Trans Union is required to send me within 15 Days or Trans Union can be SUED for their non compliance. 
I submitted the procedures request via CFPB # XXXX on XX/XX/XXXX and received a reply from Trans Union XXXX XX/XX/XXXX that failed to provide the information that I requested under 611 ) 6 ) ( B ) ( iii ) for the procedures that were used that led to my dispute to be verified/updated. I also requested the name ( s ) of the individuals that Trans Union spoke to along with their names, address and telephone number in accordance with 15 USC 1681i ( 7 ) / FCRA 611 ( 6 ) ( B ) ( iii ) Trans Union sent me NOTHING. 
Trans Union is required to send me the information when requested by a consumer within 15 Days but failed to do so. 
Trans Union FAILED to send me anything at all that even remotely resembles what is required in accordance with 15 USC 1681i ( 7 ) / FCRA 6 ) ( B ) ( iii ) and I may be forced to SUE Trans Union due to their negligent untimely reply. 
This is another request that I am submitting today XX/XX/XXXX in accordance with 15 USC 1681i ( 7 ) /611 ( 6 ) ( B ) ( iii ) regarding my dispute submitted CFPB # XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX.was again verified/updated on XX/XX/XXXX. I should receive this information that is required by law within 15 Days according to 1681i ( 7 ) / ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
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 I looked at my all three bureau credit report on Date : XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.
Product: Credit reporting, credit repair services, 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, has violated my rights. 

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 an 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 items 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: Mortgage

XXXX XXXX reached out to our office with concerns regarding an upcoming foreclosure auction and her attempt to work with her servicer ( SPS ) on a pre-foreclosure retention option or liquidation. XXXX is experiencing a valid hardship and has suffered a severe reduction in income. The property is still owner occupied and has been maintained. Upon speaking with SPS, they are unwilling to postpone the upcoming auction so that XXXX can complete a HAFA short sale. The property has been listed and with a recent price reduction, we are expecting an offer. We feel XXXX should be given a fair chance at completing a pre-foreclosure sale and we are asking that SPS give her more time on the review.
Product: Credit reporting or other personal consumer reports

i requested for them to remove accounts i dont recognized and addresses and was only givin info to resend my info and i havent heard anything back over XXXX  days.I was never shown any documention with my signature or nothing.I have sent letters to all XXXX  XXXX XXXX transunion and XXXX  example is XXXX of the latters that was sent to me from all XXXX  and i sent them docs but never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX  and Equifax both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )
Product: Debt collection

The phone company XXXX had agreed to close the account due to a family member that was over the line that passed. The account was closed and I was contacted by a debt collector. I then resolved the debt with them and another debt collector got hold of the XXXX bill and now I have XXXX of the same debts on my credit report.
Product: Checking or savings account

I MADE A CHECK DEPOSIT FOR {$20000.00} ON XX/XX/2021 AND THEN AFTER TD BANK PUT MY ACCOUNT ON HOLD I WOULD LIKE FOR THEM TO TAKE THE HOLD OFF OF MY ACCOUNT BECAUSE I CAN NOT LOGIN TO MY ACCOUNT THE CHECK SHOULD BE CLEARED IN 7 DAYS AFTER IT CLEARS I WOULD LIKE FOR THEM TO GIVE ME MY FUNDS WITHOUT ANY PROBLEMS.
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against XXXX and Freedom Mortgage Company regarding their refusal to remove an inaccurate mortgage account from my credit report, despite both XXXX and XXXX having already done so. This unresolved issue has caused me significant stress and hardship, and I believe XXXX failure to remove the item is unjust and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The mortgage account in question, Freedom Mortgage, has been disputed for inaccuracy. Following my dispute, both XXXX and XXXX investigated the matter and promptly removed the item from my credit reports after determining it was indeed incorrect. However, despite my repeated requests and providing all necessary documentation, XXXX has yet to take the appropriate action and continues to report this erroneous information. 

This prolonged inaction by XXXX has resulted in undue stress and has negatively impacted my ability to manage my credit. As an individual who has taken great care in maintaining responsible credit practices, the presence of this inaccurate item is unfairly damaging my credit profile. I believe it is only fair and reasonable that XXXX follows the same course of action as XXXX and XXXX and removes this item from my report immediately. 

I am requesting that the CFPB intervene and hold XXXX accountable for failing to resolve this dispute in a timely and fair manner. The resolution I seek is simple : the immediate removal of the Freedom Mortgage item from my XXXX credit report, as has been done by the other two credit reporting agencies. 

I trust that the CFPB will investigate this matter thoroughly and ensure that XXXX complies with their obligations under federal law to provide accurate and fair reporting. Thank you for your time and attention to this important matter.
Product: Credit reporting or other personal consumer reports

I disputed errors on my credit report with XXXX and XXXX, transunion. XXXX stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Central Portfolio Control , Inc, has committed Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099B. 
Also, Central Portfolio Control , Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies ' on my credit report as a means of intimidation.

They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, XXXXXXXX, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to extort money from me. 
XXXX XXXX XXXX, XXXX. 
XX/XX/2023
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX Capital one starts intimating their customers before they even sighn up with them. they feel that they are above the FCC and the cfpb and that the rules and the laws set to protect the consumer and the economy do not pertain to them. Here is what they like to say to the press and to let their customer know what they think. 
It seems Capital One Financial ( XXXX  : COF ) is serious about keeping in touch with its customers -- so much so that it recently sent out an updated terms of service notice to users of its credit cards. The TOS noted that the bank reserves the right to contact customers just about anywhere it wants, and by any means necessary. 

An article Monday in the XXXX XXXX XXXX described the ominous language in the missive, such as the company 's assertion that it may contact customers remotely, as in phone calls, text messages, or emails, or even through an in-person visit, either at the customer 's home or " place of employment. '' In addition, Capital One might find it convenient to " spoof '' customers, presenting a number other than its own on caller ID in order to veil its identity, the newspaper reported. 

A normal part of doing business? 
When questioned, Capital One said it seldom does any of those things, and the visits pertain solely to loans for sports vehicles such as snowmobiles, in case the vehicle needs to repossessed. In the spoofing situation, the company said sometimes the number is " displayed differently '' by " some local phone exchanges, '' something that is " beyond our control. '' This situation would be amusing if it wasn't quite so disconcerting. Although the company told the Times it is taking a second look at the phrasing of the terms of service, it is notable that Capitol One has a reputation for being somewhat hard to deal with -- at least, from a customer 's viewpoint.
Product: Mortgage

Starting in XX/XX/XXXXXXXX I started making trial payments for the Home Modification program after sending in several completed Home Modification packets with all the required information. The first payment I made in XX/XX/XXXX was voided unbeknownst to me in the customer service department. I continued making payments in the amount of {$380.00} for three months and even made a makeup payment in XX/XX/XXXX. I then heard nothing and reached out via email to each and every " specialist '' and still no response. I would just receive new letters every few weeks naming a new specialist. Finally, in XX/XX/XXXX, I was put in contact with a XXXX XXXX XXXX. She and I worked together to get all documentation together from my brother and sister ( also owners of the property but not on the loan ). In XX/XX/XXXX XXXX XXXX advised me that I needed signatures of both my brother and sister by the end of month of XX/XX/XXXX. XXXX XXXX confirmed all of this information with the Loss Mitigation manager in XX/XX/XXXX and sent me an email with in XX/XX/XXXX confirming that modification documentation had been drafted and I would receive them shortly.. 
I obtained all necessary signatures with notary stamps and they received all documentation by XX/XX/XXXX. I also made the new payment of {$750.00} in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me by phone that I was denied by the Loss Mitigation manager and my file had been closed in XX/XX/XXXX. I reconfirmed all of the previous instructions with XXXX XXXX who confirmed the above facts and told me that I had followed all the instructions as requested by Citimortgage and the Loss Mitigation and she was shocked about the outcome and admitted that she even emailed the Loss Mitigation manager who told XXXX XXXX that " she " misread or misunderstood her email. I was also told I would receive a letter with explanation for denial and file closure. I have not received the letter. XXXX
Product: Money transfer, virtual currency, or money service

My mom was forced to flee XXXX on XX/XX/XXXX due to the war. She was able to get to XXXX where my sister came to help her to find a permeant place to stay. I needed to help financially so I asked my sister to help mom to open a bank account so I can easily transfer money. That's what she did. On XX/XX/XXXX I used MoneyGram to transfer money ( {$1000.00} ) from my debit card ( American bank account ) to the bank account of my mom in XXXX. On XX/XX/XXXX the MoneyGram app showed that completion date is XX/XX/XXXX, which is backdate. I have a screenshot of that information. Which my mom went to the bank Few times to the bank the first week of XXXX and they told her there is no money. Furthermore, they said that they are not working with MoneyGram system, so it is impossible for them to receive the money directly to their bank. I opened a case with MoneyGram on XX/XX/XXXX, which at that point the MoneyGram receipt has changed the completion date to XX/XX/XXXX. Yesterday, XX/XX/XXXX I received the email saying that transaction was completed, and money were sent. All these months I was constantly calling them, and live chatting and the representatives promised the company would contact the bank and issue would be resolved. The bank wasn't contacted by MoneyGram. My mom closed that bank account XX/XX/XXXX due to coming to stay permanently with me in the United States. 
We have a bank statement with all transactions made from the date account was opened to the date account was closed. MoneyGram would not accept any evidence and would not refund money. I am attaching the MoneyGram receipt of the transaction, my mother 's XXXX  bank statement, the document about the closure of the account, the resolution email from MoneyGram.

I am very disappointed by MoneyGram. I understand that the system mistake might occur if they failed to deliver money to someone's bank account, they must issue a full refund to a sender. 
Thank you
Product: Student loan

I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.
Product: Mortgage

MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. 
In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. 
The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service, 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 air, resolution and requirements under the Electronic Transfer Fund Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.