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

Southwest Credit system is on my XXXX XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in 2024, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Mortgage

I have been attempting to get a modification for some time. The mortgage company will only accept payments during my bankruptcy term. Hence payments keep falling further behind. I have submitted the loan modification package numerous times and no action has been taken and the three month period is allowed to elapse repeatedly with no action, and then new documents are requested. During this time I have been hospitalized multiple times and have had the XXXX Assistance XXXX helping me with the modification process and they can attest to the information submission and the repeated inaction which then allows the documents to expire and be requested again. I have additionally contacted XXXX for assistance and they indicated via email that upon contacting Shellpoint they were told I was not at least 90 days past due so they could not help. 
I am enclosing the documents returned to Shellpoint and instructions so you can see the indication that all of the documents have been returned.
Product: Mortgage

I cancelled this application last week because the company representative lied t us about the details and I cancelled the application. I tried to call   XXXX   XXXX   as well as Village Capital & Investments contacts that the   XXXX   XXXX   Area supervisor provided me, but they have not returned my calls.
Today I received a Closing Disclosure package from Village Capital & Investment, and I clearly cancelled all activities with this company. I believe that Village Capital & Investment has a checkered reputation and their refusal to acknowledge that I cancelled the deal is further indication to me that I was correct in refusing to deal with this organization, and cancelled the deal. I spoke with both   XXXX   XXXX   and   XXXX   XXXX   cancelling this contract.
The Loan Originator is  XXXX  (  XXXX  )  XXXX  MMLS  XXXX . Phone  XXXX  Loan Officer & Georgia Manager is   XXXX   XXXX   Phone  XXXX
Product: Credit card or prepaid card

On XX/XX/2015 my wife and I purchased a living room set (couch, love seat and ottoman) from XXXX XXXX XXXX in XXXX , Ca. We were offered a no intrest credit card for what we thought was 36 months through Synchrony Financial.
My wife recently noticed that the bill was not being paid down. At this point I contacted XXXX XXXX. They said the terms were 24 months deferred interest and advised me to call Synchrony Financial.
I called and had a very hard time getting through, I just went into a loop that eventually hung up on me. I kept calling and asked for an agent in the US when I reached an overseas agent who did not want to help me. Many dropped called and transfers back to overseas agent I reached an agent her that said he could help.I explained what happened, he reiterated the terms and told me that I had no choice but to pay the deferred interest (at 29.99 %).
I asked if they would be willing to waive the interest and fees and he replied no, we needed to pay in full and interest will still accrue until we paid if off.
While I admit  that we are guilty of misunderstanding the terms, we feel like we were misled. Fist it was not interest free. We also thought that as we made the payments that it would be paid off before the expiration of the interest free period ( as in a previous purchase through Sychrony and a different firm), but the payment listed was only minimum, which we did not understand. Again, I feel like we were mislead, no so much lied to as, but just given half truths and misinformation.
The original purchase was for $XXXX plus tax and delivery fee. The balance on the account now stands at $XXXX , and rising. This is almost as much as the purchase price. I feel that Synchrony is taking advantage of us and charging an outrageous intrest rate and late fees. They do not even want to do anything at all but tell us to pay all the interest and fees.
This institution is predatory, I can imaging how many people, partyicualy older non computer literate people are being scammed like this. You have to be very persistent to contact these people and push to get any kind of information or answers. 
Please appeal to them and see if we can get this matter taken care of, I cant sleep at nigh and, dont have enough money to pay this balance with the high interest rate the are charging..
Product: Money transfer, virtual currency, or money service

CASH APP has randomly closed my account the day after I made a purchase on XXXX XXXX XXXX I went to log into my account and I was unable to access my account, and funds for the amount of {$150.00}. Ive seen that cash app has a settlement with the CFPB about multiple problems. Im not sure if I missed the deadline but I would like to take the steps to getting my money back. I spoke with customer service and gave them the information they needed. Theyre supposed to be investigating and contacting me via email. I believe this may be fraud on their part because they tried to tell me that I closed the account myself after sent the remaining balance to a card that I dont own. Nobody has access to my phone or information except me. The time they gave me that my account was closed was XXXX XXXX XXXXXX/XX/XXXX, I had my phone with me. My email thats linked to my closed account always notifies me whenever I receive or send money, link or unlink any bank card/account, and anything pertaining to my account. I truly believe that theyre taking peoples money and closing their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I sent Transuion, XXXX, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX from TransUnion, XXXX XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX XXXX XXXX a XXXX XXXX  and/or a XXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from XXXX and Equifax. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX  and Equifax ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while XXXX  and Equifax still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to XXXX, Equifax and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPT OF EDUCATIONXXXX  Account # XXXX US DEPT OF EDUCATION/XXXX  Account # XXXX XXXX XXXX  Account # 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.
Product: Debt collection

What Happened? 
This complaint is regarding Aldridge Pite Haan , LLP. Hereafter referred to as APH, LLP. APH, LLP is attempting to collect a debt. In which they say I, XXXX XXXX XXXX XXXX XXXX owe APH, LLP and XXXX XXXX XXXX a total amount of {$5200.00}. On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from APH, LLP on XX/XX/2024 requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested APH, LLP to provide me with competent evidence bearing my wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with APH, LLP, and their client XXXX XXXX XXXX as an obligation to pay their client. This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. I never received a response as of today XX/XX/2024. 
On XX/XX/2024, APH, LLP and their Client XXXX XXXXXXXX XXXX violated my consumers rights FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. APH, LLP and their client XXXX XXXX XXXX utilized unfair deceptive illegally practices by garnishing my XXXX XXXX XXXX XXXX Accounts without any formal or legal notice prior to their requested response deadline, XX/XX/XXXX to disputes these allegations in which I did via certified letter. 
Furthermore, I, XXXX XXXX XXXX never XXXXeceived a response to the certified letter I sent which they received on XX/XX/2024 nor a notice from the XXXX XXXX XXXX or Law Firm prior to XX/XX/XXXX. APH, LLP and their client XXXX XXXX XXXX filed a lawsuit against me with the XXXX XXXX XXXX XXXX XXXX : XXXX ) via e-Filing a misleading Affidavit for Financial Garnishment on XX/XX/2024. 
Once again, my rights were violated. I, XXXX XXXX XXXX was made aware of this information ( the Lawsuit-Case ) while routinely checking my bank account on XX/XX/2024 and noticed that my current balance in my accts were at a XXXX balance. I then called customer service to inquire about why my accounts are showing a XXXX balance and the representative shared that a judgement of wage garnishment was issued on my account from XXXX XXXX XXXX.
Product: Debt collection

this debt was by XXXX XXXX XXXX XXXX. I've never known them or had any business with them. This company is now closed and the debt was sold to LEWIS MCDONNELL & ASSO.I have no knowledge of this account. There are several complaints on the company ( XXXX XXXX XXXX XXXX ) which is why they were shut down.
Product: Credit reporting or other personal consumer reports

In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for a closed account. 

The company reported incorrectly late payments in several occasions. 

The company refused to give me the information about payment dues. Their website doesn't work while traveling abroad for work. I sent them many request via mail, fax, email, with no response about the issue. They never call, sent letters, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to TransUnion Consumer Solutions dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. TransUnion refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that TransUnion conducted a thorough investigation because the information is not provided by the Sacramento Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to TransUnion dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate TransUnion Consumer Services so this erroneous information shall be deleted from my TransUnion credit report. 

Thank you, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened and closed the same day with XXXX XXXX XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my XXXX years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00}
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  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: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have foXXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XXXX XXXX 2016, my fianc and I visited the Chase Bank retail location : XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. The manager, XXXX referred my fianc and I to the Mortgage Banker, XXXX XXXX. We sat down with XXXX XXXX to gather information on possibly applying for a Home Equity Line of Credit ( HELOC ). As we talked through the details with XXXX XXXX a couple of key factors discussed confirmed our inclination to do more diligence before we apply for the HELOC. First, when I was in my twenties I had a Chase Credit Card that got charged off and when I previously applied for a credit card with Chase I was declined due to the charge off even though it was over 20 years ago. Second I have strong standing with another banking institution that I wanted to talk to before I moved forward with a Chase application. Finally, my fianc and I had some steps we still need to take to improve our credit scores to meet the qualifying score needed for the HELOC. That day on XXXX XXXX, we let XXXX XXXX know we would hold off for now and be in touch with him when we were ready to make a decision. XXXX XXXX called us the next day on XXXX XXXX to request my fianc lift her credit freeze so he could process the application. Again, I reiterated to XXXX XXXX to stand down, that my fianc and I do not want to do anything yet. My fianc and I continued our due diligence and reached out the other banking institution, did some research on HELOCs and Fixed Home Equity Loans and started putting together our credit repair plan. On XXXX XXXX 2016 my fianc and I both received XXXX letters each from Chase Bank and one letter to both of us. They are as follows : " Notice Of The Home Loan Application '', " Here 's important information about your home equity line of credit request '' and the one addressed to both of us is a letter thanking us for our credit application to JPMorgan Chase Bank , N.A . We were shocked to open these notifications and read that a HELOC application with Chase Bank had been processed in our names and that they had submitted hard inquiries to the credit reporting agencies, without our consent. This is why we are submitting this mortgage complaint. Myself nor my fianc have been able to locate the contact information to send correspondence to the President of JPMorgan Chase or the Director/Vice President of Loan Processing to inform them and request their assistance with holding their company representatives XXXX XXXX and XXXX XXXX, accountable for processing a fraudulent credit application without the consent of the consumer. And more importantly expediting the removal of the fraudulent hard credit inquires from my credit report with the credit reporting agencies XXXX, XXXX and XXXX.