23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I called XXXX XXXX XXXX, XXXX to figure out why they sent me a letter stating I owe XXXX $ from an apartment I moved out from. They stated to me it was for some move out charges. I was never notified of any charges after move out before this letter. I talked to a female I believe her name was XXXX. She was extremely rude, and tried to get me to pay today, however I declined and told her I need a breakdown of what these charges are, and she refused to do so. She then questioned me why I am calling her, and I advised her because this letter has your information on it. She began to get very loud, combative and rude with me, and at that point I felt threatened by her tone and felt as if she was trying to verbally harrass me.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to ask for your assistance with a matter regarding potential inaccuracies on my credit report. After reviewing my report, I have noticed several discrepancies that I believe may be incorrect, and I would greatly appreciate your help in reaching out to the credit bureaus to investigate and resolve the issue. 

As I understand it, the credit bureaus are required to investigate disputes under the Fair Credit Reporting Act ( FCRA ), and I would like to ensure that these discrepancies are properly addressed. I would be grateful if you could help me by contacting the bureaus on my behalf or advising me on the most effective way to initiate this process. 

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 XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

For some strange reason, payments are being made but not recorded. Being reported to credit bureaus as delinquent, thereby playing yo-yo with my credit score.
Product: Mortgage

In XX/XX/XXXX I submitted a complaint against Freedom Mortgage and it appears they do not understand not only contract law but the simple fact that a Federal Law supersedes any of their " rules ''. Since XX/XX/XXXX I have been dealing with these guys so lets talk legal terms. 1 : In your last response you spoke of a " Contract '' that is between Freedom and Myself. In basic contact law one must have a contract, review the contract and approve the contract to be held accountable for said contract. Freedom purchased my home loan and I have never seen, or agreed to any terms with a contract that was never delivered to me. IAW If an agreement is not signed, the terms of it are generally not binding. Binding means that the parties are legally obliged to carry out their obligations/duties in the contract. Not only did I never agree to your terms ; I have never seen your so called contract. Most contracts must contain two elements to be legally valid : All parties must be in agreement. Something of value must be exchanged -- such as cash, services, or goods -- for something else of value. 2 : In XX/XX/XXXX Freedom was found guilty and paid a {$2000.00} dollar fine to the State of Mass and was also found guilty of Federal laws which is exactly what Freedom is doing currently. Freedom is currently in violation of the Mortgage Relief Act of XX/XX/XXXX which states if a borrower submitted a payment that covers the Escrow, Principle, and Interest the mortgage MUST process this as a full payment and later will receive the late payment from the borrower. Federal law trumps any rules that Freedom might have in a contract I have never seen or agreed too. 3 : So going forward in may I owed only XXXX and moving forward I am only owe Freedom a back payment of XXXX in late fees. Even in your own response you admit to not following Federal Law. So I am no longer playing this has gone too long. You will apply those payments as required by law or I will be forced to take this further.
Product: Checking or savings account

I deposited a check to my keybank account from your department for the XXXX XXXX lawsuit. In the amount of {$390.00} I believe. The check number XXXX That deposit was made on XX/XX/XXXX and they still haven't resolved this issue and still have a freeze on my account! I have called them numerous times and have been told that the amount shouldn't be making this type of delay for them to make a decision to lift the restriction! Yesterday XXXX XXXX XXXXXX/XX/year> one of your reps XXXX XXXX helped, and we talked to the fraud department together. He let them know that the check was issued to me and positively confirmed the check from your department! They still have a hold on my funds! I was told that tin business days. This will be taken care of and XXXX XXXX is the 10th business day/ today! They told me that the check looks different from the other checks that they have received. Even with confirmation from your department, they still continue to keep my account held! This is my first time dealing with this bank, and I am completely disappointed, I feel like I am being punished for something like fraud, and I haven't even done anything! This financial institution does not do its job or handle its business. It took me to call and wait on the phone for a whole hour with your company. To have them, speak to the financial institution, just to be kept still once again on hold! I definitely do not recommend anybody do business with keybank!! And as soon as this is resolved, I am closing my account with them severely dissatisfied with their service!!
Product: Credit card

I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to my account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app block.inc due to inadequate customers service and unfair practices, which violate the customer financial protection act CFPA.specifically cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected .furthmore their dispute resolution process was unfair and deceptive, as they did not cimply with error resolution requirements under the Electronic fund transfer act EFTA and regulations E .those action 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

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 




I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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, I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had 35000 points on my credit card for a {$350.00} gift card, this individual hacked my account and redeemed and cashed my gift card. The rewards and credit card issuer refused to investigate as they claim I redeemed those rewards and put in the following email address " XXXX '' instead of the email that is posted on all of my accounts as " XXXX ''. Since the rewards program sent it to the incorrect email BUT was redeemed ( By the hacker ) - they will not investigate or redeem my rewards points. 
The email address is no longer valid as well as the website. It took me a long time to accumulate 35000 points and I am furious that NEITHER the credit card or rewards company will investigate this as a fraud issue. The card issuer is US Bank/ Rewards program XXXX XXXX I was told by the rewards people that this was redeemed at a XXXX dealership in XXXX NY, but they will not track the card # to find out who cashed it. XXXX is XXXX miles away from me! 
Please have them review the history of this account and notice the number times I had to file for fraud charges and have the card replaced! 
I have had nothing but issues with this credit card and rewards program, but their refusal to investigate a fraud issue for a long term customer is completely unacceptable. 

Please help resolve this issue as I have run out of options!
Product: Mortgage

XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, FL XXXX XXXX XXXX AmeriSave Mortgage Corporation Customer Care Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX RE ; Loan Number ending in XXXX Dear Sir, Thank you for granting me a temporary forbearance hardship because the hurricane Milton damages I experienced. I am writing to request a 6 month repayment plan beginning on XX/XX/year>XXXX  as the forbearance will end by the end of this month XXXX. 

Additionally, there has been a horrible mistake to my mortgage account. Some has assigned my dads name to my mortgage. I am a single woman and I purchased this home in my name only. XXXX XXXX XXXX XXXX is the ONLY name for the home at XXXXXXXX XXXX XXXX XXXX XXXX FL. XXXX. I have all necessary paperwork to prove my ownership. Please correct this misinformation ASAP. 

You notified me via telephone conversation today when I called in around XXXX that you plan to transfer my mortgage. I have not received any paperwork regarding this to date. 


LOSS MITIGATION AND EXPLORING ALTERNATIVES TO FORECLOSURE During the course of home ownership, increased expenses or changes in your family income may make it difficult to pay your bills including your monthly mortgage payments. You should always keep your mortgage payments current if possible. But if you can not continue to make your monthly mortgage payments for reasons beyond your control, please contact us to discuss various alternatives to foreclosure depending on your specific circumstances. 

If your payment difficulties are temporary, you may qualify for one of the following options : Reinstatement this is the payment of the total amount due in a lump sum by a specific date.

Forbearance plan this allows you to reduce or suspend payments for a short time and then bring your loan current. A forbearance plan may be combined with a reinstatement when you know that you will have enough funds to bring your loan current at a later date, such as a tax refund insurance settlement, or investment reaching maturity. 
Repayment plan this is an agreement to resume making your regular monthly payments plus a portion of the past due amount each month until you bring your loan current. 

Thank you for your assistance. 


XXXX XXXX XXXX
Product: Credit card

PLEASE INVESTIGATE THE INACCURATE REPORTING ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

A synchrony bank credit card was opened up under my social, I received a bill with someone elses name. But company refuses to remove this fraudulent card debt from my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update these accounts as well : XXXX XXXX XXXX-I contacted the company via phone call and they agreed to update the account to reflect open/not late status. Please update your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. 
I want exsprian, XXXX, and XXXX to remove these accounts off my report immediately.. 
XXXX XXXX  XXXX for {$55.00} the account was closed and charged off. 
XXXX XXXX XXXX for $ {$410.00} the account was closed and charged off. 
XXXX XXXX {$800.00} The account was closed and charged off. 
XXXX XXXX {$860.00} The account was closed and charged off. 
XXXX XXXX XXXX {$1600.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. 
XXXX XXXX {$2600.00} The account was closed and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the creditor. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the creditor did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXXXXXX, 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: Vehicle loan or lease

Credit Acceptance repossessed my Sisters vehicle back i. XXXX they took it for a week Im her co-signer in the loan because the vehicle was repoed they reported it on my credit i lost 97 points my sister has had the vehicle for almost 2 months again and they are still reposting the vehicle being repossessed and the account closed when in fact its been opened since XXXX and payments have been on time please fix this, as Im not the primary account holder one i have my own vehicle loan which Ive never missed a payment in or been late i want this rectified and my credit fixed! 

Thank you
Product: Mortgage

Fay Servicing LLC has continuously ignored the letters and notices that have been sent to them. We have sent multiple letters in XX/XX/XXXX and XX/XX/XXXX, in which they have completely ignored or sent back. As I told Fay Servicing before, this was not an attempt to not pay the mortgage, this was an attempt to see exactly where the money I have paid is being applied to? I received a letter around XX/XX/XXXX to inform me that my payments would go up almost 50 % from {$700.00} to {$1100.00} and can not find that information from the " contract '' that they sent when I asked. That is not giving full disclosure to the consumer and that is against the law. They have sent people I do not know to take pictures of my house, they have reported information on my credit report, that is adverse action. It seems they are trying to take advantage of me in this situation instead of providing the information that I asked. When asked who is the " owner of the loan '' no information was given. Those are elements of fraud and I feel that Fay Servicing is extorting me for a debt that they can not and refuse to verify. I received a letter on XX/XX/XXXX stating that they have hired a foreclosure attorney when they have not provided any information that I have asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have violated my rights under 15 U.S.C. 1681 section 604 a section 2 The Law clearly states a consumer reporting agency can not furnish a account without my written consent or instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.