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

Delinquent credit Obligations - I am repeatdly denied credit due to a credit history of 'delinquent credit obligations '.   Yet, my credit report always reflect that my creditors are paid on time ...   Please provide the solution to resolve this issue ; I thank you.     Please be advised that I DO N'T KNOW .... WHO or WHY the delinquent creditors are, just not logical.
Product: Mortgage

My mortgage was sold to Roundpoint mortgage service in XXXX XXXX. I have had continuing issues with my ability to pay my mortgage through their automated service. I continually called from XXXX XXXX through XXXX XXXX to find out why I could not pay my mortgage online nor would the automated phone system verify my account. It took an average of 20 minutes per call to have a new representative each time research the issue. At some point I was told that my social security number was not correct. It was verified that the paperwork they had was correct, but someone had entered it into their system incorrectly. I was asked to submit a copy of my social security card to show proof even though the documentation they received was correct. During that six month period I also contacted their consumer ombudsman, I never received any calls or e-mails from the ombudsman, until roughly three months later, which was a letter saying they have received my grievance. To this day I have not received any follow-up. In XXXX of XXXX the issue was resolved and I was again able to pay online. In XXXX of XXXX the issue resurfaced. I called on at least three occasions, one in XXXX XXXX, and twice in XXXX XXXX. During the first call in XXXX XXXX I was told I will receive a flow-up call in 24 hours, which never happened. On the second call in XXXX ( after waiting 30 minutes to talk to a rep ) I was told a supervisor will call me back in 2 hours. I also was assured by the representative, that as a consumer advocate, she will ensure it was followed through on. She even sent an e-mail with her info. I never received a call, I did send a reply email to her on the following workday notifying her I did not receive a call. I never heard anything back from the consumer advocate after three days waiting. In the two years I have had to deal with this company ( which was not chosen by me ) I have called to report the same issue over 10 times with absolutely no resolution. Lastly the social security number incorrectly input into the system has now been linked to me on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I opened an online CD with Synchrony Bank in the amount of {$250000.00}. 
Account # XXXX. Conformation # XXXX. On XX/XX/2023 the money was withdrawn from my XXXX  XXXX XXXX  Account, # XXXX. From that point I've contacted Synchrony many times to inquire why the CD did not show the {$250000.00}.

I was told the account was not opened because the money was coming from business account and not a personnel account. Finally on XX/XX/2023 they told me that the account was cancelled and the money was being sent back to XXXX  XXXX XXXX  To the external account that it came from. I talked to many different representatives from Synchrony from that time and no one could give a straight answer on when it would be returned. They kept giving me dates that it would be returned and it never was. I went to XXXX XXXX XXXX to get help and to date we have no answers. They gave us a trace # XXXX, we came to find out that the trace # was from XXXX XXXX XXXX withdraw, not the return from Synchrony. Please Help
Product: Mortgage

I mailed out my XX/XX/2021 mortgage payment to XXXX XXXX in XX/XX/2021, using the reply envelope XXXX offers with every monthly billing statement. I've never missed a payment arriving on time in several years with XXXX, except for the XXXX payment. XXXX mailed a past due notice for the payment on XX/XX/XXXX, along with assessing a late fee charge. I contacted XXXX to contest their actions, stating the payment had been mailed and cleared Bank of America where I have a checking and savings account. However, I discovered the check had been altered. My account number on the memo line was written over with a different account number, and the check was signed by another party - a person I do not know. Plus, there are no other signors on my account. And the check was stamped by XXXX. My several conversations with XXXX have resulted in the institution refusing to recover the funds, stating the transaction was done from an ATM. I was pressed by XXXX for a second mortgage payment and to file a complaint with Bank of America. I paid the mortgage a second time and filed a complaint with Bank of America on XX/XX/2021. I also filed a police report and spoke to a detective on XX/XX/2021. Since XXXX, I have contacted Bank of America several times about the status of my complaint. I was informed the Bank was going after XXXX for the funds. I waited several months and heard nothing more from Bank of America, until I contacted the bank on XX/XX/2021. I was informed that XXXX declines to recover the funds and the case is closed. I was absolutely furious and contacted the local media station. I was referred to the Consumer Financial Protective Bureau. Both XXXX and Bank of America are treating me very unfairly. This is just not right! I have done business with both institutions for several years! I don't know why nor do I understand why neither financial institution will recover the funds I have lost through no fault of my own. I need help to recover the funds I was defrauded. My check was intercepted, altered, and the criminal was able to obtain the funds through two banks that should have resolved this problem by recovering the funds way before now. Please help me!
Product: Debt collection

My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. 
It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XXXX  and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks
Product: Credit card or prepaid card

On Tuesday XXXX XXXX, XXXX I checked my bank statement and notice XXXX was missing from my joint checking account. I later discover that a unauthorized payment was made to navy federal rewards cards. I immediately called my bank to find out what was going on and was eventually connected to the collection department. The employee told me that they were covered under a security clause to take a payment if funds were available in a different account and that I waive my rights every time I swipe my card. When I questioned the validation of this policy I was told I would get an email that never happen! Finally the department agree to do a reverse payment within 24 hours. On XXXX XXXX I checked my account to see if the money was back in my account, unfortunately it was n't in there. We are a family of 5 going through tough times. I ca n't afford to have the credit card company take what they want from my joint checking account.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Under FCRA Section 605B, 15 U.S.C. 1681i, 15 U.S.C. 1601, and 15 U.S.C. 1692 Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). The disputed information includes a charge-off entry, late payment reports, and outdated addresses that do not reflect the accurate status of my accounts and personal information. I request that these items be investigated and corrected in accordance with the applicable laws.

Incorrect Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$19000.00} written off.

{$19000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$19000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$18000.00} Highest Balance : {$19000.00} Terms : - On Record Until : XX/XX/XXXX I believe this information is inaccurate due to the following reasons : 1. Charge-Off and

15 U.S.C. 1601 ( Truth in Lending Act ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 ), creditors must accurately report the status of charged-off accounts, including the original balance and any interest. If the charge-off information is incorrect or misrepresented, it must be corrected to comply with the law. I request verification and correction of the reported balance and past due amounts, as they may not reflect the accurate status of this account. 2. Late Payments and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) mandates that any late payment reports accurately reflect the status of the account. If the reported late payments on this account are erroneous, I request that they be investigated and corrected to ensure compliance with this law. 3. FCRA Section 605B and 15 U.S.C. 1681i : Under Section 605B of the FCRA, outdated information should be removed from my credit report. Furthermore, 15 U.S.C. 1681i requires that inaccurate or incomplete information be corrected or removed within 30 days of receiving this dispute. I request that you investigate the charge-off entry and outdated addresses listed on my report and update my file accordingly.
Product: Mortgage

On XX/XX/19 My home experienced a catastrophic hail damage event. On or about XX/XX/19 I contacted FLAGSTAR BANK, my mortgage company, to initiate LOSS DRAFT claim. FLAGSTAR BANK provided a packet of information needed in order to release funds and co-sign / endorse the funds provided by my insurance company. FLAGSTAR 's requested forms were outside the normal requests, required affadavits, notorized, documents, detailed and lengthy documents from both me and the general contractor / repair company. Since then : ( 1. ) FLAGSTAR has refused to return 5 calls ( 2. ) FLAGSTAR has refused to have a manager contact me despite 4 requests ( 3. ) FLAGSTAR has not returned a single email.

( 4. ) FLAGSTAR has not been responsive and supportive with required to paperwork completion, asking for petty changes and requesting multiple revisions.

( 5. ) FLAGSTAR has failed to process and acknowledge provided paperwork.

( 6. ) FLAGSTAR has been obstructive, slow, and unsupportive during a time of need and calamity for my family and me.
Product: Payday loan, title loan, or personal loan

I got a payday loan and they talked me into geting more a couple times so i ended up borrowing XXXX and payoff is XXXX XXXXx XXXX ohio XXXX
Product: Payday loan, title loan, or personal loan

I went into loan max XXXX XXXX XXXX XXXX MS XXXX. Once inside I spoke to a woman named XXXX who said she was the manager and been there 9 years. At the time I was dating a woman named XXXX XXXX. Who told me her title pawn was do no later than XXXX on XX/XX/2021. So we agreed that I pay on or off the car and I get the title. Which XXXX stated she can not accept payment without consent adding me to the account XXXX. Which at that time the payoff was XXXX so paid XXXX towards the loan giving me a balance of XXXX to be paid off by XX/XX/2021. However after taking payment from me Ten days later XXXX demands I give her the car back without paying me the XXXX back. I told her she needed to fulfill her obligations. She called XXXX police department and placed Grand larceny charges on me. The officers came out and decided this was now a civil matter case number XXXX. I explained all of this to XXXX who then stated she would not refund my money and I was no longer on the account.This is a very deceptive trade matter. As XXXX took money and will provide no further help. My complaint is she never should have received my funds without grounds of fulfillment. Also the receipt that she provided and said I was on account reflects only my signature in the extended loan section. Please help me get my money fully refunded or the right to payoff and title.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have be unable to activate my XXXX  unemployment befits debit card ( Reliacard ). XXXX claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the Better Business Bureau and complied with further instruction from XXXX but my card has still not been activated.
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 : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 customer service and unfair practices, which violate the Customer 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: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by Credence Resource management I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by XXXX XXXX XXXX In XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XXXX by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Equifax credit report are fraudulent accounts and charges : XXXX XXXX XXXX  XXXX, {$260.00}, XXXX XXXX XXXX  XXXX, {$480.00}, and XXXX XXXX XXXX for {$500.00}. The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX/XXXX. All of my payments with the Following bank as been on-time and I have never had a late payment : XXXX XXXX XXXX  XXXX XXXX.
Product: Debt collection

XX/XX/2020 I received a letter from Gulf Coast Collection on behalf of XXXX Hospital XXXX XXXX in the amount of XXXX. I had XXXX XXXX XXXX  XXXX draft up a letter on XX/XX/2020 formally disputing the debt and required more information. -I asked for the name and address of the creditor, and the amount owed. 
- If the debt started with a different creditor, to provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. 
-I asked for them to provide verification and documentation that there is valid basis for claiming that I was required to pay the debt to the current creditor. 
-A copy of the last billing statement to me by the original creditor. 
- state the amount of the debt and when Gulf Coast obtained it, and when that was. If there had been any additional interest, fees or charges added since the last billing statement. Explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
- if there have been any payments or other reductions since the last billing statement from the original creditor, providing an itemization showing the dates and amount of each of them. 
- If there had been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount Gulf Coast is trying to collect. Explain how the amount was calculated. 
- State when the creditor claims the debt became due. 
- Provide the date of Gulf Coast 's Florida license, the name of the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
We requested a response within 15 business days but then the COVID-19 pandemic happened and we understood if they needed a little more time. Pushing forward almost four months have passed and we still have not received a response.
Product: Debt collection

They have called, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

On XX/XX/year> and XX/XX/year> they were rude and would not provide the company they were calling from. 

On XX/XX/year> and XX/XX/year> I spoke with an agent and they could not confirm my personal information, they provided me with an incorrect Date of Birth that does not belong to me or anyone in my family. 

I request proof of my personal information prior to proceeding paying for an item that did not have my correct information. Any doctors office, hospital or medical facility has you check and confirm your name and date of birth multiple time to confirm so how would this be inaccurate if it is my bill. 

Even when you try and pull the bill up online it asks for Date of Birth, there is nothing on file with my Date of Birth. 

As of currently XX/XX/year> I have received no documentation.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citicards took  my Citi Div idend dollars ( reward ) of  XXXX  USD ( this amount was told b y Citi Customer Support name d  XXXX   )  as o f  XX/XX/XXXX  awa y without any reminder or further notice. I think this is impropriet. I was never reminded or noticed for the disappearance of my citi reward dividend dollars. The customer support personal 's name is  XXXX , from Florida office ( team id :  XXXX  ). She told me that I should have learned it from the statement but they never sent me any statement. The rule was never clearly written to me. And I have checked the dividend reward dollar in early  XX/XX/XXXX  and it was there. They claimed that it was expired in   XX/XX/XXXX .  So it is definitely controversial of what they did and what they told me. I do n't trust  Citi  and I want my dividend reward back. Please help me. Thanks,
Product: Credit reporting

I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have opened an account with my social and I have no idea who because I never opened me an account with no one before I just turned XXXX so theres no way I did it
Product: Mortgage

During hurricane IDA and the Covid-19 I had to take a forbearance on my home loan with GMFS mortgage. Late XXXX I called GMFS and they arranged a forbearance form XXXX. During the forbearance I was able to make payment for XXXX XXXX  XXXX. The only payment I was unable to make was XXXX. So I called and arranged a forbearance payment plan with GMFS mortgage in XXXX XXXX, LA. 
We agreed to add on an additional amount to my monthly payments for the missed payment in XXXX. GMFS assured me that this would not go on my credit. GMFS mortgage later reported I was delinquent on my mortgage and GMFS claimed it was for XXXX payment. GMFS then claimed that it was for my forbearance and stated that they have the right to report late payments regardless if I was on a repayment program or not. 
I tried to explain that a mistake must have been made but they did not listen to any of my concerns. I have attached my payment history printed from GMFS mortgages website. The payment history clearly shows I am not lat on XXXX payment and have remained faithful to our repayment plan. My name is XXXX XXXX XXXX.