23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint against First Colony Mortgage Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Colony Mortgage regarding my mortgage adjustment. I believe that the actions of this company have violated my rights as a consumer and require your attention and intervention.

Below are the details of the complaint : For the past two years, starting in XXXX, I've been going through a tough time due to XXXX. Ending this hardship has been a nightmare from the beginning. 

I have clearly met their requirements for the hardship since they granted it to me. Going through XXXX and having a child with XXXX has been a huge strain on our family and the hardship relief was a huge help but getting out of it has been more than difficult. 

In XX/XX/XXXX, I started the application process for the flex mortgage modification. I submitted the application multiple times, and every time I followed up, they claimed that some documents were missing, even though they weren't. I kept resubmitting the same documents they said were wrong, and it took them until XXXX to finally process everything. They put me on a three-month trial for the loan modification, which ended in XXXX. I made all three payments, but because it was over a weekend and they don't have an online payment option, I had to make the last payment over the phone with a representative first thing on XX/XX/XXXX. However, they didn't process the payment until XX/XX/XXXX because they were really backed up. Shockingly, despite making all the payments, they've put my house into foreclosure. I've tried reaching out to them multiple times, but they just keep redirecting me to different people or departments who have no information to give me. I've even resubmitted the application three times through them and sent a letter of intent, which they told me about a month after I submitted the application. I sent that letter of intent via email, but the email address they provided was wrong, and my emails keep bouncing back. It's gotten to the point where I'm being bombarded with offers from buyers, and they're even contacting my family members about buying my home while it's in foreclosure. It's incredibly embarrassing, and I've done everything they asked for, but I don't feel like they're responding or willing to help me. 

It is very clear that First Colony Mortgage does not care about me as a customer and is not willing to help. I know they are trying to give me the constant run around so they can foreclose on my house. I have not seen any attempt from them to actually help. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to resolve this issue. I also request that you keep me informed of any progress made regarding my complaint. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate my complaint and take the necessary steps to ensure a fair resolution. 

Sincerely,
Product: Credit card or prepaid card

My account is on hold and I am unable to access my money. This is a Venmo issue with not being able to release the hold on my account. They are saying there is nothing they can do and I have to wait until the issue gets resolved. I have a Mastercard debit from Venmo. My account says they are waiting for a repayment to clear on XX/XX/2021 for {$70.00} at that time my account will be automatically reactivated. They say It is an issue on their end, but can not do anything about it. I have to wait for I do not know how long. I feel like it is a huge issue and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached affidavits
Product: Bank account or service

I used Paypal to make a $ XXXX monthly recurring donation to the charity " XXXX ''. The first donation was on XXXX XXXX 2016, and I used my XXXX credit card to make the transaction. I assumed the second and future donations would use this same payment method since I set it up to be recurring. However, on XXXX XXXX 2016, the funding source used for the second donation was my XXXX checking account that I have on file in my Paypal wallet. This is n't even my main checking account I use on Paypal, which is XXXX. And this change was done without my knowledge. I did not have sufficient funds in that XXXX checking account, which caused me a {$35.00} overdraft from XXXX. 

Why is Paypal allowed to default to another payment method which was different than the one I had selected for the first in the series of recurrent payments? It completely took me by surprise, and I was not informed in any way when I set up the payment, that my future payment methods would be changed automatically.
Product: Checking or savings account

This happened to me with TCF. I was in possession of my ATM/Debit card at the time of both incidents. On XXXX, a ATM withdrawal for {$200.00} was taken from my account. The next day, WHILE I was at the branch filing a fraud report, another {$200.00} was taken from my account, while the Assistant manager was looking at my account. It seemed like it was obvious that there is fraud involved. She filed the second claim. Today, I was notified that both claims were denied because " I let someone have my card and PIN ''. In the branch today, I was told that they were " re-filing '' the claim and that the decision is not up the branch. In short, the thief has my {$400.00}, I am out {$400.00} ( the two withdrawals plus two ATM fees ). The thefts happened on XX/XX/2019 at XXXX XXXX and XXXX XXXX XXXX. I reported this to the TCF Branch at XXXX XXXX XXXX inside of the XXXX XXXX to the Asst. Manager XXXX XXXX ph. XXXX I also filed a police report. I've been to the branch, as of today, on three separate occasions to deal with this issue to no avail. I've also contacted the fraud department.
Product: Credit reporting or other personal consumer reports

Experian has FAILED on NUMEROUS occasions to accurately update my consumer report. I have also submitted multiple complaints to them on the following INACCURATE accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Experian is required by law to investigate everything that is added to my consumer report. Experian also keeps failing to mention what methods were used to investigate to items furnished on my account. The false and negative items posted above, that Experian continues to furnish to my Consumer report are causing SEVERE FINANCIAL DAMAGE and SEVERE MENTAL HARDSHIP to MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Kohls numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following Credit Bural reporting agencies also I have collateral damages from this lowered my XXXX XXXX  my credit score of my XXXX score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

13. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

1. XXXX XXXXXXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and found that Experian are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$640.00} as of XX/XX/2023. 
XXXX XXXX XXXX Account number-XXXX  I requested an investigation for this account with Experian and yet this inaccurate information is still on my credit report following a completed investigation by Experian. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. 
By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with CRSA enacted CDIA Metro 2 Compliance regulations, I have the right to a fair and accurate credit report, and Experian is required to remove ANY information that is not true, accurate, compliant, and verifiable.
Product: Debt collection

In XXXX, I was diagnosed with XXXX and did not have health insurance due to the XXXX XXXX XXXX website not working. We had just bought a RV through XXXX XXXX. By XXXX, with my business failing and continuous XXXX treatments, I could not make payments. In XXXX, I sold my business. I could not function as a XXXX XXXX after being diagnosed with XXXX XXXX Since that time, I have worked part-time delivering food, and as an XXXXXXXX XXXX XXXX XXXX I make about {$800.00} a month and live off my social security, I am barely making ends meet. At XXXX I do not see that improving. Last year, XXXX XXXX sold my debt to LVNV FUNDING LLC. LVNV FUNDING LLC claims that this debt is only XXXX XXXX XXXX. It is XXXX XXXX XXXX and should not even be on my credit report. They are now harassing me. To top it off. I got my second bout with XXXX ( XXXX XXXX ) and had to spend a year doing XXXX treatments for a year. Being harrassed is not helping me get better.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXX has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692 C says that if a report has been made, accounts must be removed. 

According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX send me a complete report XXXX attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for TransUnionXXXX Consumers form that is on each dispute completion that clearly states that XXXX provides public record information to credit bureaus. The entire report is XXXX pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report and noticed an entry that I did not authorize, which I believe to be both inaccurate and unlawful. The details of the disputed entry are as follows : Account Name/Number : XXXX XXXX XXXX . 
Nature of the Discrepancy : Inaccurate balance, unknown account This information is incorrect and has been reported without my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Under this law, credit reporting agencies are required to investigate the dispute and correct any inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is inaccurate because the CARES Act provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Product: Checking or savings account

Hello CFPB, I had opened a checking account with Citibank in XX/XX/2018, noting the promotional code XXXX where they would credit my account {$400.00} after depositing {$15000.00} for 60 days. I had made the {$15000.00} deposit XX/XX/2018 but it is now XX/XX/2018 and I have not yet received the {$400.00} bonus. I have been working with Citi over the phone and over chat messages and they keep letting me know that they are looking into the issue and that I should be receiving the bonus soon, but I have not yet received it after months of waiting. Could you please investigate this issue for me? 

XXXX XXXX
Product: Debt collection

CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and Nordstrom credit just kept piling on fees, so no way I can pay it. I am twice XXXX and insolvent. I sent a cease and desist letter to Nordstrom through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( XXXX XXXX/XXXX XXXX ext.XXXX ref:XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matte
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has 3 inquiries on my report that I did NOT authorize and these creditors do NOT have a permissable purpose under Section 604. Again, I DID NOT AUTHORIZE the following inquires : XXXX XX/XX/2018 -- - XXXX XX/XX/2018 -- - XXXX XXXX XXXX XX/XX/2018 I am requesting under the law for them to delete the above inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve that the information is inaccurate.
Product: Checking or savings account

On or about XX/XX/year>, I purchase a money order from the Wells Fargo Bank located at : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. The funds were taken from my checking account, but unfortunately, I had to return to the bank because the teller made an error when she typed the money order. 

The teller, accidently, charged me twice for a money order AFTER I returned the money order for her error. 

I returned to the bank and the teller ( XXXX XXXX ) spent approximately 45 minutes to an hour trying to correct the mistake, but unfortunately she was not able to do so.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. EQUIFAX shows one late payment and XXXX and XXXX shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]