23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This agent called and did not mention a name of person attempting to contact. This agent did not disclose any information, beside their personal name and office phone number. Failed to disclose that any information obtained would be used in debt collection, also failed to disclose that the communication was an attempt to collect a debt. The agent left two voice mails, with their name and number, without any other information disclosed. I have saved these messages. Returned the call, agent asked was I XXXX, then transferred my call, when I asked was she a debt collector, she confirmed she was a debt collector.
Product: Payday loan

Was given a loan by mobiloans.com. This place is COMPLETE SCAM and I pray no one else borrows money from them. They allowed me to get {$1000.00} and told me I 'd only have to pay {$1100.00} back. That occurred in XXXX XXXX, safe to say it is XXXX XXXX, XXXX and I AM STILL PAYING! So I decided to pay the remainder balance in full to avoid them EVER again in LIFE! I would love to know how much I have paid them but I do not want to because I KNOW I WILL BE EVEN MORE LIVID THEN I AM NOW! 

*Mobiloans.com
Product: Credit card

SYNCHRONY BANK closed my account that I have been making STEADY, ON-TIME payments ( of around $ XXXX monthly ) on for over a year. I have not missed a single payment, and they closed my account abruptly. They already closed my account once after applying XXXX  of dollars in hidden protection fees to my balance, which I then opted out of, got refunded, which resulted in them reopening the account. My balance was over $ XXXX, and I have steadily paid it down to under $ XXXX, with absolutely no foreseeable reason why I could not continue to make these payments and get the entire balance paid off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more, their dispute 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: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$94.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX* Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$380.00} 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 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  I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I checked my three credit reports from annualcreditreport.com, on XX/XX/2022 XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with Experian and XXXX and not with XXXX. I'm requesting that this inaccuracy be deleted from Experian and XXXX credit reports.
Product: Vehicle loan or lease

Wrongful auto repossessions by servicers.repossessing vehicles, even after I took intentional actions to prevent repossessions.I lose personal property when the vehicle is repossessed or are unable to hold on to their job due to the lack of transportation. They also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on their credit reports.The auto servicers engaged in unfairly failing to obtain refunds for borrowers for add-on products that no longer provided a benefit. In other instances, they found that auto servicers misled consumers about the amount of their final loan payments after their normal payments were deferred due to financial difficulties.Failure by credit reporting companies to conduct reasonable investigations into disputed debts.They also illegal charge me for a down payment for the car.
Product: Mortgage

I have a closed complaint, reference number  XXXX . I just received a delinquent tax bill from  XXXX   XXXX .  Shell Point MTG r esolved previous complaint, paid the taxes that were delinquent from  2015  and then cancelled the check after they resolved therefore I still have delinquent taxes due for  2015 . When I called them I spen t 2 h ours on the phone and made no progress  XXXX   XXXX  they sent a check for  XXXX  and then cancelled the check later that month. This check would have resolved my complaint if they would not have cancelled Thank you  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late/Missed Payments Reporting on My Credit Report XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Dispute of Incorrect Late Payments on My Credit Report Mr. Cooper Mortgage Accounts Dear Consumer, Financial Protection Bureau , I am submitting a formal dispute regarding inaccurate information on my credit report related to XXXX mortgage accounts with Mr. Cooper ( Nationstar Mortgage ). These accounts have been incorrectly reported as late/missed payments while they were under an approved forbearance agreement. 

Details of the Disputed Accounts : Account Number Property Address Issue XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late payments reported during forbearance XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Late payments reported during forbearance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late payments reported during forbearance As per federal guidelines under the CARES Act and standard forbearance policies, lenders are prohibited from reporting missed payments for accounts that are in an active forbearance status. Since my accounts were officially in forbearance, they should have been reported as current or deferred, not delinquent. 

I am requesting that the CFPB investigate this matter with Mr. Cooper and instruct them to correct my credit report by removing the incorrect late payment entries. As per the Fair Credit Reporting Act ( FCRA ), I expect a resolution within 30 days. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and inform me of any necessary next steps. I can be reached at XXXX or XXXX for further clarification. 
Thank you for your assistance. 
Sincerely, XXXX XXXXXXXX XXXX
Product: Debt collection

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.

Report Number : XXXX  Account Name : XXXX XXXX.

Account Number : XXXX Address Identification Number:XXXX The address associated is mine. 
The name on the account is incorrect. 
Ive been harassed by multiple debt collection age agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to correct the issue with the three major credit bureaus. My complaints have fell on deaf ears. I've never had my complaints properly addressed and this is my last attempt trying to correct this issue and having this inaccurate information removed from my file before I seek legal remedies. 

The following items are a result of fraud and having my identity stolen : 1.XXXX XXXX XXXX of CA 2. XXXX XXXX 3.XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX Ive included a certified police report copy of my ID and a bill that was requested to validate my request Experian, XXXX and XXXX have all failed in addressing my complaint.
Product: Checking or savings account

I tried to use my Citibank ATM card in XXXX XXXX, XXXX XXXX, XXXX on XX/XX/XXXX but my card had been blocked. This happened in spite of following their explicit instructions to call them before I travel and to confirm a similar ATM withdrawal transaction over my cell phone on XX/XX/XXXX. 
In this case, Citi ( again ) tried to confirm an ATM withdrawal on XX/XX/XXXX via my cell phone which I did not have with me at the time and even though I was able to validate the transaction later through an email Citi sent me ( see attached ), they STILL blocked my account today. 
This is not the first time this happens. It has happened multiple times in the past. And I have followed their instructions every time to avoid card blocking to no avail. I have complained multiple times over the phone, over email and via letters to customer service, all falling on deaf ears. 
I understand the need to protect customers from fraud but if a customer follows their instructions this should not happen as often as it does. It 's simple : their system does not work. 
Citi should be penalized severely ( hundreds of billions of dollars ) for not investing in their systems appropriately. It is the only way they will learn.
Product: Mortgage

I was laid off from my employer on XX/XX/XXXX. I struggled to find employment and was on Unemployment Benefits from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX my mortgage company, XXXX offered assistance due to COVID. I explained to them that I had lost my job an was starting to struggle to make payments. They offered me a forbearance or deferment, not certain on the verbiage. However, the option was that I can defer my mortgage payment 6 to 12 months due to COVID. Afterwards, if I am still struggling there would be other options or they had other options I could take advantage once the deferment ends. The options were payment modification or they would move what I owe to the end of the note and I would maintain my regular payments. I took advantage of the 9 month deferment and when I spoke to them in XX/XX/XXXX, I told them I found employment and would like to move my payment to the end of the note. XXXX recommended since I just started and my status is a XXXX, that I extend the deferment for the full 12 months to allow me to get caught up. I agreed to those terms and during this period my loan was sold to Select Portfolio Servicing. Once I received communication my mortgage was with them I proceed to call them weekly, Each time they notified me they did not have all my records from XXXX. I told them about my situation and wanted to ensure that I would be able to maintain my normal payments and move my past due to the end of the note as promised as an option with XXXX. I spoke with SPS last month and advised them I had my payment pending for XX/XX/XXXX as promised to continue my payments. They informed me that I would have to take a survey to proceed further, they ask 3 questions, 1 if I am still experiencing a hardship, I stated no, 2 if I am able to bring the account current by paying the past due amounts, I stated no, 3 if I am able to maintain my normal payments, I advised Yes, they told me it would take a couple of weeks and I do not have to make any payments because I am under forbearance still, however I did not cancel my scheduled payment. This weekend I received a letter that I am possible foreclosure unless I enter a payment modification loan and make XXXX payments by XX/XX/XXXX. Each time I called no one was able to tell me anything about my situation. I called SPS on Saturday XXXX and now they are stating they need to research my situation. I advised them how if they do not have all my information from XXXX, SPS is trying to put me on a new hardship plan that I did not agree to and are threating me of foreclosure. Can someone please get to the bottom of this, I do not want to lose my home because the lack of documentation from XXXX and their negligence to inform the new servicer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Illinois XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX , XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards, XXXX XXXX XXXX
Product: Debt collection

NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : 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: Student loan

I have spent many hours calling Discover in attempt to resolve their derogatory items on my credit report. Nobody has given me a clear explanation of the reason for the late payments reported to my account. Their representative scheduled my payments over the phone and then Discover increased my interest rate so that the payments would be inadequate. Regardless, this difference should have been nominal and I do n't believe I was ever more than 60 days late. In addition, a Discover representative specifically told me to disregard any notices from Discover about late payments. When I spoke to managers at Discover who had reviewed calls I made to Discover, they acknowledged that their representative told me this, yet refused to correct my credit report. Furthermore, it is impossible to monitor the status of my accounts because their website reflects payments in a convoluted manner and even when I have called, the representatives have not been able to explain how my payments were allocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT ALLY FINANCIAL {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Mortgage

I have my mortgage with PNC bank. According to the Cares act states that upon request by a borrower for forbearance it shall be granted for up to 180 days and shall be extended another 180 days at request, of borrower. I talked to at least 7 different people at pnc today was transferred around to early intervention to customer counseling back to early intervention. They keep telling me they will only do 90 days at a time which is not what the care act says. I also told them I want the missed payments added to the end of my loan and they said that has to be reviewed after 90 days. My understanding of the law is that it it is not required to be paid back in a lump sum however PNC wont guarantee that. If I cant afford my mortgage now how am I gong to come up with months worth in one lump sum-that doesnt help anyone. I would like what I believe I am entitled to by law which is 180 day forebearance with option to extend another 180 days. I would like Any months not paid added to the end of my loan. I understand there may be some interest at that time and I am ok with that as long as terms are given to me in writing? I am hoping you can assist as I now in extreme hardship waiting on the government to come to an agreement on unemployment extensions and stimulus. I would be very grateful for any assistance you can provide as I am getting frustrated and scared on what is going to happen if I cant get this done.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX Account - XXXX XXXX I asked for proof of late payments or deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Prepaid card

Okay on XXXX XXXX XXXX  I had a deposit of XXXX XXXX on to my chime card and that money was either lost by chime or spent fraudulently probably by somebody that I guess got my information somehow I'm not I'm not even sure how it happened but the money is gone or chime somehow screwed it up and lost it I've been arguing with these people for a year 1/2 now trying to find out where this money is and they really can't tell me anything they can't 't find themoney it was there and they can't find any of the charges after it or nothing and I've been literally d Going on and on just like a broken record almost every day every other day 150 emails and i got nowhere they need to refund me that money i researched 10 days it supposed to take its been over 400 days