23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im currently behind by a few mortgage payments due to being scammed by my former tenants. It was not my intent to rent-to-own my home but to sell it. However, my former realtor did not exercise my rights or represent me with integrity and acted unethically. As a result he placed a couple whom I empathized with due to their incapabilities of purchasing a property due to their financial difficulties in my property. He misled them into believing theyd paid in advanced so they werent paying me accordingly, then began paying me late, and then stopped paying their rent entirely. At the time of their occupancy of my property I was residing at the apartment complex where I work and had become responsible for both my rent and my former tenants. I requested a substantial loan amounting in {$16000.00} to avoid my credit being ruined due to their irresponsible actions as I also intended on evicting the couple from my property. Unfortunately, for my family and I my former realtor refused to assist me with the filing of forms necessary to evict the couple from my home so I persisted with hiring an attorney whom supposedly specialized in real estate/landlord-tenant matters only for her to take my money and not help me fill the form correctly. The end result was me taking a major financial loss due to what my former tenants attorney depicted as an erroneous filing of a form although my former tenants had in fact scammed me out of several thousands of dollars and was granted the ability to continue to occupy my property at my expense while my family and I had no where to live. Ultimately, when the tenants vacated my premises in which was after the scheduled time frame they were set to leave they completely destroyed and damaged my property past the point of it being habitable. They broke a window and lied and said they didnt, they soiled the newly installed carpets from pets they had concealed at the time, and they left a window unit in the master to which was leaking profusely and caused mold damage which infested the master in its entirety. Also, I believe they were fiddling with the pipes as my former tenant stated he and his father in law would be handling many of the repairs that needed attention at the property due to his said handy ways which led to bolts/nuts on the piping apparently being loosened as I discovered after having to remove the wall in the laundry area exposing significant water damage and mold. Essentially, I not only loss a lot of money from the breaching of the rental agreement, but I now have multiple hits on my credit report, and I have loss my wife and children whom can not occupy the property with me due to its conditions, and I have now been subjected to an even bigger problem of having to repay the loan I took out to evict the tenants therefore I can not necessarily to improve the quality of my life or my family.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

I am writing to file a formal complaint against National Credit Systems , Inc, located at XXXX XXXXXXXX XXXX, for attempting to collect a charge of {$XXXX} that is unfounded. 

The background of my situation is as follows : I was a resident at XXXX XXXX at XXXX XXXX, and I have been accused of having two unauthorized persons stay in my apartment. According to the lease agreement, residents are required to register guests staying for more than one day and may not have guests for more than two consecutive days without the landlord 's written consent. I have adhered to these terms and have not had guests stay beyond the permitted time. 

Despite this, the apartment management has alleged that I violated these terms and referred the matter to Natinal Credit Systems, who is now attempting to collect a {$XXXX charge. This charge is not supported by any evidence, and I have not been provided with any documentation or proof to substantiate the claim. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that Natinal Credit Systems ceases all collection activities related to this unfounded charge. I also request that measures be taken to prevent similar situations from occurring to other consumers in the future. 

Attached are copies of my correspondence with the debt collector and any related documentation for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS FIRST XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 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

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 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate consumer 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. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have over {$39000.00} in debt with Navient, formerly XXXX. I have been making on time payments for four years. Often, these payments have been well over the amount due. I pay {$450.00} every single month to them, and another {$150.00} on my federal student loans. I am a XXXX who makes {$XXXX} a year and barely get by. All I want is for them to reduce my interest rate. My current interest rate with them is 10.25 %. It has actually gone up as I 've made these on time payments, almost like I 'm getting penalized for being a responsible consumer. I 'd like an interest rate around 4 %. I 'd like my monthly payment to be less each month. When I called to discuss this with them, they offered me nothing. No relief. No reduction in my interest rate or payment. No acknowledgment of my on time payments, or overpayments. I feel as though they are price gouging me. They are predatory lenders, and not responsible members of the financial community. Something must change.
Product: Credit card or prepaid card

Closed XXXX visa with Chase Bank in XXXX Was told I overpaid them, and that they send me a check which I NEVER RECEIVED for {$470.00}. 
Have called them every week, each time to get different story They claimed check was cashed, I DID NOT CASHED IT, DID NOT RECEIVED IT!!! 
asked to send me proof of cashed check, they can not find it, or so they say I have been calling weekly, spoke with 6 supervisor, signed an declaration, mailed it certify mail on XX/XX/19, still not word It is my money and they are not paying me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ], have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

In addition this account is listed in a bankruptcy. Since the information is included in a bankruptcy it should not be reporting separately to my consumer report. 

Delete these accounts
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was supposed to receive a {$75.00} bonus for having direct deposit of {$500.00} or more. I completed the promotional requirements but the credit never posted. I have followed up via email and XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters to the This credit bureau about the method of verification. I have asked specifically for the information of who, and which company or clerks office has verified that I have XXXX bankruptcies on my credit report. The companies only respond with a general overview of there method of verification process, but refuse to answer the letters. 

XXXX. I dont want an overview of the method of verifcation, I want to know specifically a name and or organization that has verified that I have the public records. 
XXXX. I have included a written response from the Clerk that declares they have not verified any public information. 
XXXX. I have included a letter from XXXX showing that all of my public information has been suppressed. 

I have been refused the right to know how this public record has been verified on my according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them documents showing that XXXX was not reporting XXXX XXXX on my credit report any longer. This was mailed to them on XXXX and as of XX/XX/ I have not had a response from them about this.They have had over 30 days to look into this matter so this needs to be removed from my credit report asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Experian unexpectedly removed an Extended 7 Year Fraud Identity Theft Alert from my credit report that should not be removed unless I remove it within the roughly 6 years remaining time. I tried calling Experian on Sunday XX/XX/XXXX when I was notified by a different consumer credit reporting agency, but Experians automated system would not allow me to place the alert back my account or speak with customer service to get answers on why it was removed. There is someone actively trying to steal my identity and I am more vulnerable now because of what Experian has done. Time matters. I tried calling Experian again just now 7 times on XX/XX/XXXX and I am unable to get past the automated system to speak to anyone. Why did Experian remove the fraud alert without my permission? Thankfully the Extended Fraud Alert is still listed on XXXX and XXXX. And not being able to speak with anyone at Experian about something this important truly angers me! Can CFPB please help me? Can the CFPB require Experian be accessible to consumers to have access to live customer support in cases of emergencies involving Fraud and Identity Theft Alerts? Leaving a person exposed for days while a complaint works its way through agencies because Experian is blocking consumer call connections to customer support staff causing further harm to consumers?
Product: Credit card or prepaid card

XX/XX/21 - I was overcharged for a meal at a restaurant. Merchant XXXX. Transaction amount {$820.00}. Dispute amount {$790.00}. I do not have a copy of the receipt. 
XX/XX/21 - Approximate date the transaction dispute was submitted. Spoke with bank and it was communicated to me a " dispute letter '' would be MAILED to my residence. No letter was received. 
XX/XX/21 - Spoke with merchant XXXX and requested they provide me a copy of the receipt. After several attempts, I was unable to obtain a copy of the receipt from the merchant. 
XX/XX/21 - Communicated to bank I did not receive the " dispute letter ''. I was told it was MAILED on XX/XX/21. 
XX/XX/21 - Approximate date I located the " dispute letter '' on the Chase Application/website. I completed the letter and as instructed I submitted via the Chase secured message center. 
XX/XX/21 - Received letter via the Chase Application/website communicating the bank considered the dispute a valid charge XX/XX/21 - I called Chase and inquired why they considered it valid. It was communicated I did not provide evidence. I attempted to cancel the credit card and was put on hold for approximately 2 hours. The call was ended before I spoke with the Chase bank " retention team ''. 

Instructions from Chase have been unclear. Communication has been poor. 

I have eaten at the merchant several times over a several year span and I have never had a charge in access of approx. {$50.00}. In addition I am a long time customer of Chase bank and I have held the credit card for several years. Payments are made timely and the balance on the card always remains current. The transactions is error and or fraud. Chase should be resolving the matter with the merchant and merchants bank.
Product: Checking or savings account

- I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the direct deposit requirements.   - According to the terms, the bonus should have posted within 90 days of completing the offer requirements (  XXXX  ) - However, they asked me for additional tax documentatio n (   XXXX   )  on  XXXX   XXXX , even though I had provided all the necessary information with my application. I submitted the tax documentation on  XXXX   XXXX  which was delivered on  XXXX   XXXX , but I still have not received the {$300.00} bonus in compliance with the offer.
Product: Credit reporting or other personal consumer reports

I needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was.I noticed a lot of items in my report were not correct, but somehow ended up on my report - thisdoesnt make sense to me as they arent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL DISPUTES SENT BUT NO RESOLVE
Product: Debt collection

I have been contacted twice by JP Recovery ( XXXX XXXX XXXX ). The first time I was contacted was inXX/XX/XXXX. The agent called and requested my name, date of birth, address without disclosing who was calling. I provided my name to the agent and asked them who is calling. The agent told me they were working for JP Recovery and were collecting a medical debt. When I ask about the debt, who it was with and the amount of the debt they told me they could not proceed unless they confirmed my identity. The call felt like a scam so I did not disclose more than my name. 

After the first call, I downloaded XXXX XXXX and saw my credit was in good standing and there were no debt claims on my accounts. I also called my doctor offices to ensure I did not have an unpaid bill with any doctor office. 

I received a second call today ( XXXX ). The agent asked my name, I verified they were speaking with the correct person. The agent then wanted my birthday. Again they did not disclose who they were calling with. When I asked the agent who I was speaking with the agent refused to tell me who was calling unless I provided them with personal information. I ended the call. I then called back the phone who had just called me and heard on the phone system that the phone number was associated with JP Recovery. 

After the second call, I downloaded a free credit report from XXXX and XXXX and saw that I do not have any outstanding accounts. I also called the local police who discovered the XXXX XXXX XXXX was robo generated, which led the police to also believe I am the target of a scam.
Product: Credit reporting or other personal consumer reports

Water heater in house me, my daughter and grandkids live in went out and leaked everywhere in middle of night. XXXXXX/XX/XXXX. Neither my daughter nor I knew what to do. The only company that would come out charged XXXX {$4500.00} for new water heater. We had no idea how much it should have been. We didnt have that kind of money. They had us apply only for monthly payments. Right after all of this we were slightly late on a payment. All of our payments have been perfect otherwise. They sent the XXXX payment that was about XXXX weeks late to credit bureau. It caused our credit to drop significantly and is preventing us from getting help with another large need at the house
Product: Student loan

Called inXX/XX/XXXX for initial information on repayment and was told to put in forevearance for 2 years.

Called in XX/XX/XXXX, was told to start paying or go back into forevearance, and I did not have other options. Went into forevearance. XX/XX/XXXX received calls once a week for about 6-8 month stating my loans were defaulted. Through several calls back and forth, Navient finally reversed and put into the forevearance state the loans were recommended by them to be in.

Called in XX/XX/XXXXto go over repayment options, was offered IBR, but was still expensive for me with paying private loans. I asked if it takes into consideration my mortgage, car payment, and other student loans. The answer was that it is already factored in off of my taxes which is not true. I was pushed into forebearance again. 
Finally called last week, asked for REPAYE or PAYE options, was told I dont qualify but was not explained why. Again said that with private loans, mortgage, car, insurance etc I can not afford what is being offered, but PAYE or REPAYE would work. I was told this was not an option and I could defer or consolidate, and when asked I was told consolidating loans will not disqualify me from any loan forgiveness options, which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy that is not mine and TransUnion will not remove it. i never filed for bankruptcy in Arkansas. I filed another complaint previously with the CFPB and TransUnion responded that they do not have a credit report which in fact they do have it listed on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019
Product: Checking or savings account

I should have {$250000.00} on my all access card and none is put on there can you please tell me why can you please help me figure out why the NetSpend will not let me log in and the people that I call with the number or no help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied the opportunity to open a checking account by numerous financial institutions due to information provided to those institutions by Early Warning Services. Specifically, Early Warning Services is reporting fraudulent activity on previous accounts, despite no such fraudulent activity having occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following inquiries on my report are not mine and fraudulent ... 

Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX