23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home, and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents, we submitted them, then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home, yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However, we spent more money and did it anyway. So, we get to within 30 days of closing, and he sends an email to my wife, my realtor, and I showing things that he said needs to be taken care of asap in order to close. Mind you, some of these items have not been mentioned on the previous list of things needed to close. So, at the last minute he threw new things at us. He highlighted several of those things stating that they would be major issues that will hinder our approval. I can forward the email upon request. He then sends this same email to the seller, which I understand, is a violation of our privacy. He sent our personal information that is on our credit that needs to be addressed, to the seller! Once they received the information, they immediately decided to back out of the short sale. In his conversation with my realtor in the early stages of the process, it was clear they did not want to finance a manufactured home and even said they would qualify us for more if we went for a traditional home. It 's frustrating to me because we invested so much time into this home, our children loved the property, and now because of this, we lost the opportunity to get it.
Product: Debt collection

I continue to get calls from Alliance Group about a civil law suit regarding an outstanding payday loan they say I have. I filed a BK chapter XXXX in 2015 and I should have no outstanding debt, I have checked my credit report and have never been contacted by a payday loan company to my knowledge nor have i taken XXXX out. XXXX XXXX XXXX XXXX is threatening me with going to jail, having a sherriff on my doorstep and trying to collect money over the phone. They say the original debt was {$500.00} and now is {$1100.00}. This is not valid and they have bits and pieces of my idenity.
Product: Credit card

I kindly request you to see the attached documents. I want the bureau to commence an investigation into these accounts, as I have never been late, despite erroneous reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, The credit card company closed my credit card, due to a returned check on my checking account in XX/XX/XXXX. I've never made a late payment to my credit card, even after they closed it. Due to the negative balance on my checking account, they reported my credit card to the credit bureau as being charged off for failure to pay and they did not report my credit card payment. My credit card payment was due on XX/XX/XXXX, and I made more than the minimum payment due. I called the company to correct the issue, and they told me they reported it that way since my checking account is charged off. I told them that my checking account and credit card are two separate things and they are reporting incorrect credit card information.
Product: Mortgage

We have a second mortgage on our home with PNC. Our first is with XXXX XXXX XXXX. We applied and received a loan modification from XXXX XXXX XXXX. Then we applied and were denied a loan modification from PNC. We appealed the decision and were denied again. Each time we asked to understand their basis for the denial and they refused to provide us with that information.
Product: Debt collection

XXXX/Comenity Bank failed to give me proper validation of this debt. 

I mailed XXXX/Comenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spent two days trying to get someone on the phone with Transunion to lift a credit freeze temporarily. Every time I finally get someone on the phone, the rep in XXXX needs to speak better English or have a better connection. When they can't sort out the issue, they transfer me back to the queue to wait another 30 mins. I finally got someone who said I couldn't lift it online because my account had a fraud alert. I never placed a fraud alert on my account; there is no one on XXXX or XXXX. Every time I try to reach out to Transunion, the phone stays in an indefinite loop on hold. I am always waiting for people to answer.
Product: Mortgage

I enrolled in a Covid forbearance with US Bank home mortgage under the cares act in XX/XX/2022. My income remained impacted by covid and this forbearance continued through XX/XX/2022. At that time I had returned to work full time and informed the company that we would be able to resume payments. I continued to attempt to set up a repayment plan with us bank, making multiple phone calls to customer service. I was initially informed that I should choose a repayment plan using the app. When I attempted to use the app, the options appeared briefly but then locked out and disappeared before I could select an option. I immediately notified us bank and was informed that because I did not select an option, I would need to send a signed letter to US bank requesting that my account be removed from active loss mitigation. The representative informed me that my options for repayment would then be reinstated 7-10 business days later. I emailed the letter as requested on XX/XX/2022. The email was sent to the email address that the representative referred me to ( XXXX ). My account status has remained unchanged since that time. I called and spoke with a representative on XXXX, who stated he could escalate my request but that the company may later request additional information. I made several attempts to call on XXXX only for the calls to automatically disconnect. I then dialed from my work number ( unknown to the company ) and was finally able to speak to a representative! This representative is now saying that we will need to fill out an application for mortgage assistance as out forbearance has expired. I feel that US bank is violating the cares act by causing confusion and difficulty surrounding the exit options and intentionally dragging their feet in order to force the borrower into default. They failed to provide education regarding our options for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch XXXX XXXX XXXX also they have used my information to get a credit card with XXXX XXXX, XXXX XXXX ( XXXX, XXXX, and XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX and XXXX XXXX XXXX ) I have letters from XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX Ads fraudulently debited approximately {$1500.00} from my Cashapp account. I have on numerous occasions filed a complaint with cashapp regarding this matter to no avail. Cashapp is not responsive to this matter, it has been 5 days since this incident happened and still has yet to be resolved. 

* Under UCC 4-214, issued XXXX, I invoke my right to chargeback and refund this transaction. Furthermore, I would like to like to request a temporary credit if the dispute in question takes significant time to investigate.

The Reason for this Dispute is Fraud I do not recognize this transaction and have never authorized it. Pursuant to VISA Chargeback Code 10.4, I am politely requesting to dispute this charge and the issuance of a full credit to my account. I have attached additional details below on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus ( Equifax, XXXX, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( Equifax, XXXX, XXXX  ). 
I'm usually a very understanding person but this is just XXXX. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus
Product: Mortgage

I had a family emergency had to leave country and try to log in unable I received email tht mortgage company will be transferring so I don't understand why I'm being reported delinquent to credit company I realy need help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and distress and i seek appropriate redress
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out that I was a victim of identity theft back in XXXX of 2019. Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to Experian, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.
Product: Checking or savings account

I have a Cash App account that was set up for me to receive my IRS stimilus payments since the beginning of the pandemic. I only had access to my account long enough to receive my first stimulus payment. I believe my email was hacked so i lost all access to my account via recovery methods. Ive reached out to the Cash App team more than four times since i lost access in XX/XX/2020. I have notified the Irs as well, but unfortunately each deposit was successful and as far as i know, i have a nice amount of money just sitting in this inaccessible account of mine. I have had no success with the Cash App team helping me to recover my account, although ive been asked for really personal information in the attempt to prove my identity to the Cash App Team. One transaction for 4200 and another for 2200 was verified by the IRS that it successfully deposited into the account im trying to recover.
Product: Checking or savings account

XX/XX/2019 at approximately XXXX XXXX this morning I attempted to take out {$300.00} at a Keybank ATM machine @ XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The ATM machine was out of funds and was unable to process the transaction but on my bank account record the funds were still taken out of my account even though 1 ) I never got the {$300.00}, 2 ) a receipt of the transaction after the ATM machine spit out my ATM/Debit Card. I have to wait 10 days for the ATM company to investigate to get the funds back. This caused me to be late for work because I had to sit with XXXX and do an claim into their system to dispute the transaction.
Product: Checking or savings account

I saw XXXX charges from the same company trying to come out of my account but I did not have the money in my account to cover it. It was the same company but XXXX different amounts, XXXX for {$54.00}, XXXX for {$100.00} and another one for {$89.00}. I called the bank to have the company blocked from pulling money from my account at all. I was worried that when I did get money in my account they would hit my account again. They told me they blocked the company which shows up as XXXX. XXXX from taking money from me but then on XX/XX/XXXX a week later, they hit me for {$100.00} and the bank let it come through. I called the bank and they said they could see where I blocked them from taking money but the person who put it in the system only blocked them from my debit for the {$54.00} & {$89.00} charges on my debit card but had all XXXX amounts blocked on my credit builder account. Clearly their mistake except when I disputed the charge that they cut my debit card off for when I asked them not to, they have denied my dispute. This is the XXXX time they have screwed up and made me pay for their mistakes and I am tired. I called them of course and the guy I talked to said he could not help me and he could not even send me anything showing that I did call them to have these transactions blocked but did admit he could see where I called and they blocked them all but this one charge amount. I have the conversation recorded though.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history.

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report.

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts.

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Debt collection

I.C. Systems is CONSTANTLY contacting me claiming that " XXXX XXXX '' owes {$300.00} XXXX ( XXXX ). They have the wrong person as my name is not " XXXX ''. They repeatedly call and send letters after I've asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors XXXX, Experian, and XXXX are violating my rights under 15 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had automatic payments set up on my CAPITAL NE BANK USA card since I opened it. I recently started doing a mortgage loan and was informed that there are several late payments reported to the credit bureaus on this account. I have never received notification of a late payment nor am I aware of ever being late on this account. The partial account # is XXXX.
Product: Credit card or prepaid card

I received your correspondence regarding the debt with the above creditor. I contacted them to report unauthorized transactions placed on my account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX and at that time I advised that I wanted the card blocked and to dispute the transactions and request that no further transactions to be placed on that account. I received a new card in the mail which I never activated. I explained that I did have a rental car with XXXX on XXXX/XXXX/XXXX and that the charge of XXXX placed in XXXX was authorized. XXXX XXXX choose to pay the unauthorized charge despite my dispute and since I did not authorize the charges I am not responsible for that amount or any charges incurred based on the payment of that charge. I explained that I will not be paying any of these fees because as I stated I did not authorize these charges and did not owe XXXX this amount. I have already filed a complaint with the BBB due to the poor customer service and unwillingness of XXXX XXXX to process my dispute. I explained that In reviewing my account you can see prior to this I paid my balance in full and had intended to pay off my account until they processed these charges. My XXXX Statement shows clearly that I reported the card lost and yet XXXX XXXX continued to pay charges that were made with the lost/stolen card. The XXXX and XXXX charge both came in on the lost cards account number and yet they paid both transactions. I explained to XXXX that I believed that my card was left at their location and an employee there used that card to post additional transactions to that card. As you can see as of the XXXX statement that card was never used again except by XXXX and that is because it was no longer in my posession. When I brought this to their attention they stated that the employee had been fired who processed those payments and told me to dispute it with XXXX XXXX which I did and still the charge was paid and I was charged the associated fees. Additionally there was no proof of my signature authorizing either transaction placed on XX/XX/XXXX or XX/XX/XXXX which I did request from both XXXX and XXXX XXXX and have yet to receive. Additionally I am requested that this item be removed from my credit file immediately until I am provided with written verification of my authorization of these charges in addition to written verification of my acceptance of XXXX XXXX 's Terms of Service to include my signature. This correspondence was sent to the creditors attorney in XXXX of XXXX and they have yet to respond.
Product: Debt collection

In XX/XX/2022 Fairway Capital posted a collection to my credit report. I disputed it via the credit bureau and they immediately responded it was a valid debt. I then sent a certified letter to them requesting information. They refused to sign for the certified letter. 

They have never sent me any written communication. They only information I have is contained in my credit report. 

This is not my debt, but I believe the debt of a family member.