23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was told my mortgage company participated in the deed in leui program with relocation assistance. I have been trying to get this since XX/XX/XXXX, SPS has been playing games making me get the same documents 12 times, reapply 3 times, then denied me outright. I am getting the run around for 4 months. I filed bankruptcy and can not afford to keep this home., I was told in XX/XX/XXXX it would take 45 days to get this help. In XX/XX/XXXX I started looking for a new place to live, SPS is still playing games. we are now out of our home, and broke. We are trying to do the right thing, we qualified for this relocation assistance and we are getting jerked and from what I am seeing online many people have gone through similar with SPS. I feel they are getting government funds for " pretending '' to participate in this program. PLease help us!!
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Closed and Charged-Off Accounts Accounts : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the removal of the above-referenced closed and charged-off accounts from my credit report. These accounts are inaccurately and illegally reporting, and their continued presence on my credit file violates federal and state laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to ensure that only accurate, verifiable, and current information is reported on consumer credit reports. Reporting charged-off accounts or closed accounts without properly verifying the accuracy of the information, especially when no longer relevant or legally collectible, is a violation of this act. Additionally, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are prohibited from reporting incorrect or incomplete information.

Furthermore, under Maryland Commercial Law Code 14-202, it is unlawful to attempt to collect or report inaccurate or outdated information on a credit report. This includes closed and charged-off accounts that should have been updated or removed. 

I specifically request that the following accounts be immediately removed from my credit report : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been closed or charged off, and reporting them continues to harm my creditworthiness despite no valid, enforceable debt being associated with these accounts at this time. Their continued presence is inaccurate and misleading, violating my rights under the FCRA and Maryland state law.

Please conduct an immediate investigation and remove these accounts from my credit file. Failure to comply with this request within 30 days will leave me no choice but to pursue legal action to protect my rights, including seeking remedies for damages and legal fees.

I expect a written confirmation that these accounts have been removed and that no further negative reporting will be associated with them.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The debt was a charge-off and going past the legal alloted time
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Portfolio Recovery calls me constantly even after leaving voicemails to my work number and cell phone number. I have not spoken to them because they always call me during my working hours. I have also never received any documentation from them in regards to the validation of the debt. 

They have called me from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Experian responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$310.00}, XXXX XXXX XXXX XXXX {$9400.00}.
Product: Credit card

Chase Fax Number : XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX abruptly went out of business on XX/XX/2023. They filed for XXXX XXXX bankruptcy on XX/XX/2023. Customers received an email informing us that they voluntarily filed for protection under XXXX XXXX of the Bankruptcy code but assured the consumers they intend to continue to operate and serve our customers in the normal course, and are committed to continuing to provide safe, convenient, and effective oral care to our customers. ) Additionally stating, Rest assured, our XXXX XXXX XXXX remains in place. 

I was under treatment for XXXX treatment via their XXXX services. I was awaiting a shipment from XXXX XXXX XXXX that was shipped back to them on Thursday, XX/XX/2023 due to insufficient address. I called XXXX XXXX XXXX on Friday morning inquiring about the shipment and was informed that they would have to wait for the shipment to be returned to them. On Friday, evening they posted on their website " XXXX treatment is no longer available through the XXXX platform. '' Along with stating, " Please consult your local XXXX with any questions around future XXXX  treatment. Additionally stating, All orders that have not yet shipped have been cancelled at this time, and you will not receive your XXXX. I went with XXXX XXXX XXXX for the Lifetime Guarantee and they are no longer offering. 

I made a deposit with my XXXX XXXX card on XX/XX/2023 upon receiving my images. My XXXX arrived in XXXX and I started my treatment on XX/XX/2023. I paid my treatment in full in XX/XX/2023 to prevent from going on their payment plan. I called Chase on XX/XX/2023 to dispute my charge and was told it was outside of XXXX dates. I informed Chase that I am still under treatment and they are incapable of delivering on their services, which is a breach of contract. You can not even contact customer service. My actual contract is in their app online that I can no longer access. 

As a consumer, I am requesting my money back giving these circumstance by disputing these charges for services XXXX can no longer provide. I have to complete services with another XXXX that will charge me what I have already paid this company. I believe its unfair for me to bear the financial burden of a service that I can no longer utilize. 

I have attached the following documents : XXXX XXXX XXXX Receipt with Treatment Information, which did not start until XX/XX/2023 XXXX XXXX Dispute Resolution of My Deposit on XX/XX/2023 Chase Credit Card Statement ( XX/XX/2023 ) XXXX XXXX XXXX XXXX  Bankruptcy documents from XX/XX/2023 Email from XXXX XXXX XXXX Announcing Bankruptcy ( XX/XX/2023 ) XXXX XXXX XXXX Statement from Website XX/XX/2023 XXXX XXXX XXXXXXXX article regarding the abrupt shut down XX/XX/2023 XXXX XXXX XXXX Lifetime Guarantee Commitment from their website
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Inquiry removal letter to Experian after trying to contact creditors to no avail. as Experian told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Experians customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC has DAMAGED my credit score because they lied to credit card companies that they notified about a debt. MIDLAND CREDIT MANAGEMENT INC never contacted me by telephone or in person about any debt. I never received any letter or any notification of any kind from MIDLAND CREDIT MANAGEMENT INC yet they reported me to the debt to credit reporting companies causing me to lose XXXX  XXXX  on my credit report. They committed an ILLEGAL ACT and broke federal laws regarding credit reporting. I LOST XXXX XXXX  on my credit report because MIDLAND CREDIT MANAGEMENT INC committed an illegal act by LYING to credit reporting companies about a debt they said I had that they NEVER NOTIFIED ME ABOUT!!! They lied to these companies!!! MIDLAND CREDIT MANAGEMENT INC NEVER CONTACTED ME!!!!! THIS IS ILLEGAL!!! ALL DEBT MUST BE REMOVED, DELETED, AND NULLIFIED. 
XXXX XXXX  MUST BE ADDED BACK TO MY CREDIT SCORE!!!!
Product: Mortgage

XXXX GMAC - Our problem began-we were being forced into foreclosure, un beknown to us. One night XXXX we came home to a woman at our front door-Realtor wanting to list our home as she was aware we were in foreclosure. ( We were take by surprise and informed her our home was not for sale ). We had many horrible phone calls with agents at GMAC stating we were in Foreclosure. Not behind on payments, this became a heated phone call. This has been an exhausting process. You can see the history of our request to make this right with our Mortgage. I do hope you can see all the horrible history and complaints filed, working with the Utah Attorney General Real Estate office ( he passed away, I later found out and he helped us more than anyone ). Never satisfied with the outcome as we were scammed during XXXX with the SubPrime loans. We wanted a FIXED rate our payments were to be around {$1500.00} this was XXXX. We were highly pressured at the time to go with the Lower Payment. Which continued to change everything over time and by 2008 with GMAC our world with our home security was threatened. Exhausting fight to make it right. Hired a lawyer, dropped the ball. We fought to keep our home to end up with a huge Balloon. We will never own our home, which is sickening to me. This is all because of the SubPrime Scam. This has been forever exhausting to continue to fight for our rights to Own our Home.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

on XX/XX/23 i requested I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX XXXX XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately on XX/XX/23 i requested Chargeoff Balance Error This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


this credit failed to do a investigation, failed to update the comment section on all three bureaus, the bureaus failed to remove this account from my report due to no reponse from the creditor, my comment section on my credit report is the exact same since i started my disputes. The creditor has not uodated me with what i requested and failed to do a proper investigation. this creditor has a balance with a charge off, late payments on a charge off, different dates last active, please remove from all three bureaus immediately
Product: Credit card or prepaid card

There are two Chase Credit Cards showing up on my credit report. Ive reached out in writing multiple times asking them to remove their Trandlines from my credit reports. Unfortunately they chose not to answer my questions. If they answered the questions submitted, it would do a couple things. One, prove they loaned money from their own funds, which it would give them the right to collect on. Two, it  would prove that in the process of loaning, they followed the Truth and Lending Act when making a loan. They chose to ignore my questions and not take their Tradeline names off my credit report.
Product: Debt collection

I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation.

A copy of my government-issued ID.

A recent utility bill to verify my address. 
A copy of my Social Security card. 
I sent these documents via certified mail in XXXX separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. Furthermore, they previously responded to my dispute by stating that the debt was " verified, '' yet I do not understand how they could have verified an account that is not mine. I was never a co-applicant on this account and have not authorized anyone to use my personal information in this capacity. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant XXXX  and XXXX  to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased four ticket to XXXX. The site showed an amount ( {$6800.00} ) but my credit card was charged more ( {$7800.00} ). 
I immediately called my credit card to cancel the transaction, the agent confirmed the cancellation but a few days later I noticed the payment was still pending on my cc. When I called my credit card customer service they asked me to call the merchant which I tried to do but with no success.
Product: Credit card or prepaid card

I closed my account with BBVA due to their terrible customer service. After I closed my account, I received a credit for {$380.00} and I called them to request a check to be sent to me. The amount was deducted on XX/XX/2021 and I was told I would receive a check in 5-7 business days. The check didn't arrive and each time I call the people I speak with have no idea how long it'll take and keep making up new timelines. This company is stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy. 


Violations : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$94.00} ), XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Approximately 6 months ago, I requested my free annual credit report, but have yet to receive anything!
Product: Student loan

I have had the same student loans in my name since XXXX XXXX. My ex husband was ordered to pay them in the court of XXXX County Alabama. He of course did not follow through. I have been put on forebearance and on income driven repayment plans as well as in default before, where they took every cent of mine and my husband 's federal income tax refund ( which was over $ XXXX ). in review, I have noticed that I have several old accounts on my credit that reported as of XXXX, that were. NOT servicing my loans and that has hurt my credit. Navient has had my loans for a while. I paid {$50.00} a mo for 6 mos and I was supposed to be " forgiven '' by one of the " servicers '' and once those payments ended, they stopped taking the money and ended up going into default and then being sold off to other servicers. This is bait and switch. I make $ XXXX a year and can not pay anything back, especially since these student loans are over 20 years old. Currently, I am on an income driven plan with Navient and XXXX. I do.not understand why I have so many different servicers. I have asked in the past to have them all consolidated, they say ok and never do it. So I get one caught up with whatever they can give me and then the other is not. This is so confusing and never ending. I also want to know where that $ XXXX went bc I should be $ XXXX less than I was. It is n't showing that. I am very frustrated and tired of having to worry about it bc they hit my credit..Also, I applied for IDR from Navient, sent in all my Info and they said they could n't read it and I had to resend. Sadly, they did some system update and it kicked out EVERYONE who was trying to get any sort of repayment plan approved so they put me into " forebearance '' until XXXX to get things " fixed ''. This sounds a lot like the whole mortgage industry XXXX.
Product: Credit card or prepaid card

I ordered furniture from XXXXXXXX XXXX. However, I did not receive the complete order. I did not authorize the merchant to charge me for the order until all was received. 

The merchant agreed to a lesser amount, and I paid for XXXX order on my card from another bank NOT WELLS FARGO. 

For over 90 days Wels Fargo played games with disputing the charge and not handling it as unauthorized. I have spent over 20 hours on the phone ( all recorded ). 

Every time I call a different rep tells me a different bit of information. 

All lies and never consistent. 

I have asked for and never received any supporting docs from the bank. NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX Chase CC XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and XXXX with XXXX XXXX XXXX  XXXX  including XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Transunion to update or delete accounts that have errors on my credit report and Transunion confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Transunion and notice the changes havent occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture. 

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 Federal 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 cause significant inconvenience and financial loss, and I see appropriate redress for these violations.