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

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

Since XXXX of 2020, approximately 6 months, I have been dealing with an issue with Specialized Loan Servicing which is owned by XXXX XXXX. I have reached out to the company several times with no solution to my problem. I have spoken to many supervisors from the Tax Department with no solution in site. When I do connect with someone I hear the same response that " We have not heard back from the county yet. '' It is impossible that the county has not responded in 6 months. This company paid the wrong tax pin/real estate tax bill in XXXX of 2020 on the incorrect property. This, in turn, affected my tax escrow account and created a shortage of {$4500.00}. My current total mortgage payment increased and has still not been fixed due to their error. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft the following accounts listed in my doc and on my affidavit how been furnished without my consent or my authorization. 
This have been very damaging to my reputation as a consumer. and is a infringement of my privacy.
Product: Mortgage

Mr. Cooper should not be handling people 's money!!! 
They are careless and their negligence is unacceptable. 
They have consumed my clean mortgage about 4 years ago with NO escrow which had more than 25 % equity but they have ignored the fact and kept sending property tax payment to my county ( not city and not insurance ) in spite of the fact that I have contact them sooooo many times and in writing and escalating the matter with the Executive Resolution Team, XXXX XXXX XXXX and with XXXX XXXX at Loss Mitigation ; I spent hours and days of my busy schedule and my busy work time and nothing, absolutely nothing has been corrected. This issue has caused my account to go under but they keep sending unnecessary payments on my behalf and the county keep sending the check back to them but they still report me to the credit bureaus with late payments, missing payments and now my account is big time upside-down. 
I have now learned that my excellent credit score dropped in XXXX points due to this reporting which hurts my financial badly working on other transactions. 
Currently, my equity is about $ 75 %. 
On top of that, I have been adding $ XXXX to each monthly payment for the last 4 years which should be showing credit of about {$12000.00} on my account- so how could my account be upside-down!!! 
I would like to ask for ALL my money back and to have my account straight showing all my credits. 
I would like to have a specific and a responsible person to handle this case to the fullest.

I can not afford to waste anymore time and money over this ridiculous non-sense.

Six documents attached. 

I would appreciate your HELP!!!
Product: Credit reporting or other personal consumer reports

When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the XXXX data breach which I have reason to believe that was a reason that my information was compromised. In XX/XX/XXXX XXXX XXXX sold that debt to a collection agency XXXX XXXX XXXX which has been reporting a balance of {$6500.00} on my credit report since that time frame. They both are still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ).
Product: Money transfer, virtual currency, or money service

I entered a rental agreement and paid the landlord the security deposit and first month 's rent through XXXX and mobile bank transfers with my bank, Truist Bank. The 3 bedroom, 2 bathroom house I was attempting to rent was listed on XXXX for {$700.00} a month. 

The " landlord '' never sent me my keys after I paid him a total of {$1200.00}. I signed a lease on XX/XX/XXXX and was ready to move in, but when I went to movie in, the house is already occupied. The rental agreement was fraudulent, this was a scam. 

When I went to my bank to file a complaint and have my funds refunded to me, they told me they could do nothing about it, despite having the necessary evidence to prove that I was scammed. 

I am in desperate need to have my funds refunded to me. I am currently struggling immensely financially due to fraud committed by the individual responsible.
Product: Checking or savings account

I opened a Huntington account in XX/XX/2018 with a {$200.00} bonus offer. The requirements were you had to make a {$1000.00} in deposits within 60 days and keep the account open for 90 days. It did NOT specify what type of deposits, it did state that you could NOT transfer money from another Huntington account as a deposit. I met the requirements and inquired about the bonus, I was told I didnt meet the requirements because I did an online transaction from XXXX to transfer funds to Huntington. I called 3 times! The customer service reps were extremely rude and I asked to speak to a supervisor, I got disconnected or hung up on the second time and the 3rd I was on hold for a long time so I hung up because I was so frustrated and could not get anywhere! I have screen shots of the requirements and no where does it state you can not do online transfers or Deposits! I want this situation rectified and an explanation!
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I woke up to see that I had a cash app charge for XXXX XXXX  deducted from my bank account. I contacted cash app yesterday and talked to someone on their chat and all the person told me was to basically contact my bank. They were no help to me what so ever. I turned off my card and reported my card for fraud to my bank. Around XXXXXXXX XXXX XXXXXX/XX/23 I had XXXX declined transactions from cash app from somone trying to get XXXXXXXX XXXX from my account because I had turned off my card, both transactions were declined thank goodness. The scammer made a cash app with my name and information so, that it would look more legit. I do not have a very popular name so, when you search my name on cash only XXXX people with my name pop up. One of the accounts with my name was created only two days ago so, its easy to figure out who the scam account is. I reached back out to cash app XXXX XXXXt and I was not very happy to say the least because I reported the account that I believe was stealing my information and cash app still did nothing to shut the account down. Cash app gave me a vague answer that someone would contact me by email ( I still haven't received an email from them ). My bank was able to credit the XXXX XXXX  back to my account and do the right thing unlike cash app. This app needs to seriously be shut down for fraud. Its absolutely digusting that a scammer can easily make an account in someones name with just their debit card information. Cash app does nothing to verify identity like asking for an ID and a selfie. Cash app has several complaints on the XXXX website as well going back several years. Cash app has known that its app isn't secure and that it allows scammers to basically run the app. I'm grateful they only got XXXX XXXX out of me but it breaks my XXXX to think that someone XXXX  on a fixed income has lost several XXXX  due to this app and now they can't pay their rent. Something needs to seriously be done about this app. It should be illegal for this app to still exist since they allow fradulent activity to happen.
Product: Credit reporting

I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report.
Product: Vehicle loan or lease

I have a auto loan from Capital One bank, unfortunately they have been processing my car payments as interest. This has caused my to receive late fees for lack of payment and other unidentifiable fees. 
I receive harassing calls from capital one every week. Nothing ever sent in writing to breakdown my fees. Currently they are reporting me to the credit bureau as late when I am making payments capital one is reallocating my payments to their needs without my consent or knowledge. 
Capital one is committing fraud and is harassing me. Capital one is causing me undue hardship and I am making payments
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
1

5 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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

Multiple requests for investigation into inaccurate reporting to an account listed on my Experian credit file. Experian did not investigate my dispute as promised. Instead, they returned my dispute as " verified '' with nothing being investigated. Experian has also prevented me from disputing this factual inaccurate account online! 

My credit report from Experian reflects a chargeoff for XX/XX/2019 for the account listed below, yet there is no other payment history leading up to this alleged chargeoff. 
There are no reported 30, 60, 90 or 120 day lates leading to the chargeoff that they have inserted into my file. 

I requested several investigations, demanding deletion due to inaccuracy. Experian returned investigations as " verified '' and " updated ''. 

How can a reported chargeoff with no payment history be verified as accurate? I redisputed payment status and Experian again, returned as verified with no proof. ( their " verified '' and " updated '' documents are attached with nothing to support their opinion that the account is verified as accurate ) Furnisher : XXXXXXXX XXXX Acct # XXXX... .. ( partial acct # ) Experian has repeatedly violated my rights by not properly investigating my disputes. 

They have stamped my disputes for this account as " verified '' without examining my report to determine its accuracy. Experian has stated that their " role is to review accuracy and completeness of any disputed item '', but they have ignored my disputes and instead, violated my rights. They have not reviewed my account for accuracy or completeness. 

I am demanding an immediate proper resolution.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by XXXX  and XXXX  but still reappears as another collection. The newest date shows XXXX which is false.
Product: Credit card

XX/XX/year> I received this letter from Citibank. 

" A payment was returned unpaid Please make a replacement payment right away XXXX, XXXX XXXX recent payment of {$73.00} on yourCostco Anywhere Visaaccount was returned unpaid by XXXX XXXXXXXX XXXX XXXX 
Please contact XXXX XXXX XXXX XXXX  directly for any further questions or clarifications about this returned payment. '' The posted fee for returned check is {$41.00}. 
A month earlier I received the same one for amount of XXXX plus {$30.00} for returned check. When loading autopay, I entered my account information : routing and checking. All my payments are going through fine, but there are problems with Citibank and I want them to be resolved, since transactions go from you to this bank. Yesterday I spent four hours figuring out the reason, but I still couldnt figure it out! Citibank requests payment and it does not appear in my account! Their request comes from some account numbers that are unknown to me and XXXX XXXX XXXX. I did not change ANYTHING in the settings and, as I indicated earlier, all other payments go through perfectly. 
I am unable to pay for computer problems between XXXX XXXX  and Citibank and would like you to look into my problem. And since this is a bank-to-bank relationship and not my fault, Regards, XXXX XXXX,
Product: Mortgage

In XXXX Bank of America responded stating that they had assigned me a resolution specialist, XXXX XXXX XXXX, and that I should make contact with her. I called the number ( XXXX ) a total of five times, and I left voice messages. No one ever contacted me, or responded to my calls. I recently received a letter via XXXX stating that I did not take advantage of the assistance from their company. This was not the case. Bank of America has a way of making their customers appear as being the wrong-doer. Bank of America appear that they are helping their customers, but in reality they are not. It is not by coincidence that there are many customers who are dealing with or who have the same experience with Bank of America as I have. 
In addition, I was a victim when I received this adjustable mortgage. I was part of the bad mortgages that was being approved back in XXXX when Countrywide sold my mortgage to Bank of America. I 'm XXXX with a reliable job, and is capable of making a reasonable mortgage payment as I always did prior to XXXX when my terms changed. The person who sold me my home ( XXXX XXXX ) who worked with the broker to get me such mortgage is now serving prison time in a federal prison for mortgage fraud. I feel that Countrywide and Bank of America knew what they were doing when they approved these adjustable mortgages to later foreclose on people 's homes.
Product: Debt collection

This collection was settled with the company by return of the equipment. Another collection agency removed the debt. This company did not give me the 30 day notice to dispute debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at XXXX, XXXX Customer Advocate XXXX XXXX stated via voice-mail that XXXX would provide a one time courtesy to amend our credit report if we provided proof that payment was initiated on or before XX/XX/2024. We provided proof via email to XXXX, attention XXXX XXXX. I also left x 3 voice-mail messages to escalate our request to XXXX XXXX for review and resolution. Please assist us with communicating our concerns, NO one has responded via email or phone. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX   XXXX, Account Number XXXXXXXXXXXXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX, Account Number XXXXXXXXXXX, Date OpenedXX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Money transfer, virtual currency, or money service

Zelle and financial institution has failed to solve my claims and issues regarding to money transfers domestically. Zelle has failed to protect the consumers and prohibit exploiters from scamming and attempting multiple fraud attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I created a myEquifax account to submit a dispute as required by this comapy. I did everything properly and then on XX/XX/XXXX Equifax sent an email stating they needed more information to link my dispute with my account even though I submitted the dispute through the myEquifax account. On XX/XX/XXXX I faxed the requested information to the number Equifax gave me along with the confirmation number to my dispute. I then followed up with a call and spoke to an American representative at Equifax to make sure the paperwork was received but they told me it took 5 business days so the gentleman took all the information and verified my account over the phone to complete my dispute submission. Since then I received the same email request for the information and when I log in to my account to check the status of the dispute it still says unable to link my dispute with my account. On XX/XX/XXXX, I received an email that my dispute was completed and to login to see the results but once again it would not show my results. I called Equifax and spoke to another XXXX representative and was told to call back in a few hours cause their system was updating but their website says they are available from XXXX to XXXX seven days a week. For years I have had this issue with Equifax. I started to do a new dispute and I see the original account I dispute to be updated but not deleted. I provided proof that the account was an error but since I am a commodity to Equifax correcting the error was not in their best monetary decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX # XXXX, TXXXX XXXX XXXX XXXX, PORTFOLIO RC # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

my loan through Navient was cancelled I even have the tax paper to prove it and now they say they denied it. How can they do that. I am on XXXX and can not repay. I think they are harming me by putting this on my credit report and I do n't believe I owe any longer since they let me cancel it. This company is bogus. I would not recommend them to anyone. What can I do.
Product: Credit card or prepaid card

On XX/XX/2022 when I was checking my Barclays VISA credit card account, I found that two unauthorized users had been added to my account fraudulently and both had made two purchases each charged to the account fraudulently. I had not authorized any new users to the account nor did I know either of the added users. I notified Barclays that these users were fraudulent and Barclays removed the one user and charges that were made but not the second user. The fraudulent users name that wasnt removed is XXXX XXXX. I do not know a person by this name and I did not authorize the person added to my account. This person had made two purchases on XX/XX/2022, XXXX XXXX for {$43.00} and XXXX for {$370.00}. Shortly after this date, someone changed the users name, password and mailing address to XXXX XXXX XXXX, XXXX, OH XXXX. At this point I was locked out of my account and Barclays would not remove the charges from the account. I have tried unsuccessfully many times since then to have Barclays remove the fraudulent charges but they refuse, saying a card had been used for the purchases. I did not travel to XXXX, OH in XXXX or anytime this year and the credit card has been in my possession since I received it. I have also reported this action to the XXXX XXXX XXXX XXXX. I request that Barclays remove the charges from my account and clear the delinquent postings on the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

when I go onto my Equifax, I am unable to login or speak to anyone when i call because it says they can not verify my identity although I am giving them my correct information. 

If I do get into the account, It tells me there is a promotional block on my account which I never put on my account and I do not know why it is there, but I need to remove it. I dont know where or how to do this and I can not reach anyone at Equifax , who can help me because their phone system consistently loops through and just redirect you to go to the FAQ on the website rather than allowing you to speak to any people who can help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX, XXXX XXXX / XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX