23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in a Chapter. XXXX Bankruptcy and fell behind on my mortgage payments by 3 months. The mortgage company sent for a dismissal of my bankruptcy on XX/XX/XXXX if I didn't pay the three months immediately. So to avoid getting dismissed I paid all three payments at one time on XX/XX/XXXX. They still certified the dismissal of my bankruptcy even tho I paid all three payments within the 30days. When I call to speak to the mortgage company no one can give me a answer on why they did that. My bankruptcy attorney said they should have pulled the dismissal ounce I paid> Every time I call the mortgage company they avoid the issue by putting me on hold until I hang up. On XX/XX/XXXX I was put on hold for a hour and eight minutes with out anyone coming to check in on me or anything before they just hung up on me. I have called and ask to speak to a supervisor to try and get some answers and help and every time they tell me one will call me back within 24 hours and no one ever does. I asked to speak to a supervisor on XX/XX/XXXX and I never got a call back. Now they are sending me demand letters that I bring the account current for XXXX and XXXX payments or else they will foreclose on me> Since I have just made 3 payments in XXXX its hard for me to pay two more payments this month. So I just have one payment set up for the XXXX of this month to pay XXXX and sent in a loss mitigation assistance package with supporting documents like bank statements and they say they wont accept my bank statements because I got them from my bank online. So my main complaints is that they got my Bankruptcy dismissed after I paid the amount I was told to pay and that I cant get a supervisor on the phone and they keep putting me on hold for over a hour and then just hanging up on me.
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies in my credit reports from Equifax, XXXX, and XXXX concerning multiple collection accounts. These accounts are reporting different date opened dates across the credit bureaus. This inconsistency is negatively affecting my credit score and my ability to obtain credit. Below are the details of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was a victim of identity theft back in XXXX and I have new accounts that are showing on my credit report unauthorized l. Vehicle loans from XXXX, late payments on account that was not authorized by me.
Product: Consumer Loan

I bought a XXXX on XX/XX/XXXX. I did a trade-in on my previous car ( XXXX ) I owed {$10000.00} on that loan The dealership offered to pay {$7000.00} and the remainder {$3000.00} would be added to the new loan. To my understanding the XXXX was XXXX plus the {$3000.00} would equal to {$21000.00}. The only thing that the dealer stated was that my monthly payments would be {$630.00}. They never explained to me how interest worked or what my total would be for the XXXX. When it was time to sign the paperwork. the gentleman who handles that part of the process was very rushed and did not explain any of the papers. He just told me to sign everywhere that needed a signature. It was n't until he put everything in the envelope and i was waiting outside that i got a chance to read the paperwork. That 's when I saw my total was about {$49000.00}. I am in every way a honest person but I feel I got cheated ( in lack of a better word ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery a/ XXXX  XXXX XXXX XXXX XXXX opened XX/XX/17 & XX/XX/17, I paid this account off, XXXX & XXXX is showing on my report that I owe but I don't
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the collection company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, drivers license, cover letter and they continue to inaccurately report this account on my credit report. 

I demand that they remove this fraudulent account from my credit report. 

The collection company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. 

Account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want 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 violates 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, and I seek appropriate redress for these violations.
Product: Mortgage

I'm ending a covid forbearance program and want to resume payments. This company has locked me out of my web account and will not answer their phones. I've tried over 20 times to call 5 different phone numbers and can not get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}
Product: Mortgage

I recently refinanced my home mortgage through Amerisave Mortgage. During the closing process, they required that part of my new loan would include the amount of {$10000.00} to pay-off of one of my student loans through a company called " XXXX. '' I tried to explain to them that all of my student loans were in the process of being transferred from Cornerstone to a new loan provider called " XXXX XXXX ''. Despite multiple attempts to alert them of this issue, they incorrectly made the final check payable to " XXXX and XXXX XXXX. XXXX. '' At this point, I can't do anything with this check and Amerisave won't issue a new check to the correct payee. 

Here 's a timeline of events : XX/XX/XXXX : Began Refinance Process with Amerisave XX/XX/XXXX : XXXXmerisave Requested Information about Cornerstone Student Loans XX/XX/XXXX : I alerted Amerisave that my student loans were being transferred from XXXX to XXXX XXXX and I provided documentation to support it. 
XX/XX/XXXX : Refinance Loan Closed XX/XX/XXXX : Disbursement check issued to incorrect Payee ( Cornerstone ) XX/XX/XXXX No resolution from Amerisave despite numerous attempts to contact.
Product: Credit reporting or other personal consumer reports

There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late
Product: Student loan

I have Private student loans through Navient which currently sit at a loan balance of {$66000.00} I am having several issues with this company. I have gone bankrupt twice. First time in XXXX and the second in XXXX. Both times I was told that my student loans could not be discharged without an adversary proceeding and proving undue hardship which I know to be almost impossible to do. I have a private consolidation loan that Navient has continued to collect on even though I went bankrupt. My dad is my cosigner on the loan who has also gone bankrupt in XXXX. I have continued to pay because I dont my dads credit report to be ruined. I have sent Navient my discharge papers and they wont respond. I have also requested all the information they have on the loan and they sent me the promissory note and the application which I had a lawyer look over and the lawyer said that it doesnt make any sense and that there is a lot of information missing. The lawyer called Navient with me on the line and requested that they send more info so we can figure out the origination of the loan. We spoke to a supervisor who seem very helpful and said that he assured me that he said a very large Manila envelope and I should be receiving it in the mail within the week. About a month has passed and I havent received anything and when I ask they are clueless. I am also a full class member of the Sweet v. Cardona lawsuit and my federal student loans are in the process of getting discharged. The school that I went to are XXXX XXXX  and XXXX XXXX XXXX both of which are on the list of schools in the lawsuit. I have seen an article the CFPB has written about heightening its scrutiny against private student loan servicer on people who have gone bankrupt. I need help in figuring this all out. I am not sure if I am allowed to attach bankruptcy discharge papers which person info on it but will send upon request.
Product: Debt collection

XX/XX/XXXX XXXX I requested information that states this collection belongs to me i ask for a copy of their license to collect in Texas, a copy of the chain of command, copy of the purchase agreement based on the law listed they are in violation of this law if they are not about to prove that this account belongs on my credit report.

USC 1681c-2 is a section of the US Code that relates to the block of information resulting from identity XXXX. It requires that a person who furnishes information to any consumer reporting agency should have reasonable procedures in place to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information3.
Product: Checking or savings account

On XX/XX/XXXX, or thereabouts. I found some suspicious withdrawals on my online bank account with Regions Bank. ( The Regions bank located on XXXX XXXX, XXXX. ). 
I was forced to call Regions Bank at : XXXX and cancel the previous card and request a new card be mailed out ASAP. 
Regions Bank then mailed out a replacement card that was useless. It would not activate. After about a week calling back and forth attempting to get that card to work, they said they would mail out another replacement card. ( This was on : XXXX, XX/XX/XXXX. ) I went through the process over the phone with the Regions Bank representative, and I was told that the new, Replacement card was in process and would be mailed out immediately. 
That was another XXXX XXXX  ago ... and still no card has arrived in the mail!! 
I have been without any debit card since XX/XX/XXXX! Today 's date is : XX/XX/year>!! 
I called Regions Bank XXXX XXXX  ago and all they could tell me is that they mailed out the card on XX/XX/XXXX or XX/XX/XXXX. 
I have been without access to any debit card for XXXX XXXX  to this point! I have no access to any funds for groceries, to pay for gasoline, clothing... nothing!!! 
Please, HELP!! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from all 3 credit bureaus. Upon checking, I can see that there are several unauthorized hard inquiries on my reports that are interfering with my ability to obtain credit and maintain a favorable score. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted all three bureaus requesting to have these hard inquiries removed ; however, the response I'm getting is not providing the results needed to have this matter resolved.
Product: Checking or savings account

Have had business and personal checking and saving accounts with Bank of America for over 5 years. On, or about, XX/XX/XXXX, I deposited a {$3000.00} check made out to my corporation via the mobile app. I was informed there would be a 5 day hold and the funds would be available XXXXXXXX XXXX Friday morning, XX/XX/XXXX. On Thursday XX/XX/XXXX, my business accounts were closed with no advance notice and I was provided no reason. I was told it was a " confidential business decision ''. I was told the closing procedure would take until XX/XX/XXXX, and I would be mailed a check for any remaining funds approximately XX/XX/XXXX. ( my remaining balance in checking should have been {$3000.00}. I received a check from the bank dated XX/XX/XXXX for {$49.00} ( {$3000.00} short ) When i contacted bank they said that was the balance. When I asked about my {$3000.00} deposit, I was told they could not verify those funds. 
I have spoke with several people in customer service who claim to note the account and " look into it '' It has been several weeks now, and I get nothing but a " run around ''. I took it upon myself to contact the maker of the check and was informed the check was paid to Bank of America the last week of XXXX! 
There is also a balance of {$210.00} remaining in a business savings account. To date, this amount has not been refunded either. 
I dont seem to be able to get anywhere with anyone at the bank. I have no idea how to proceed further
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail.

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported.

Best Regards, __________________________ XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022, I contacted BSI Financial to have my PMI removed because my principal balance reached below the 80 % of the original value of my home. They said that they only had the loan amount of {$310000.00} from the title company and that is the amount that they go off of to remove PMI instead of the sale price of the house. I informed them that was incorrect and on XX/XX/XXXX XXXX sent them the documents I had from the title company showing the sale price of the house which was {$360000.00}. So 80 % of that would be {$280000.00} and when I sent that email, my loan was at {$280000.00}. I contacted them a few days later and they informed me that my written request had been denied and that their policy is that they go off of the loan amount. As of today, the principal amount on my loan is {$280000.00}, which is approximately 78 %. I spoke to XXXX different customer service representatives and one understood how it was supposed to be calculated but it still got denied. The other 2 told me that I need to bring the principal balance down to 80 % of {$310000.00} which doesn't make sense. I have a good payment history and have never been late or missed a payment.