23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to contact XXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all four credit reporting bureaus. The amounts from XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXX XXXX and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.
Product: Mortgage

Quicken Loans holds my home mortgage ( VA ) - on XX/XX/XXXX I had solar panels installed using a separate loan company. I contacted Quicken loans to see about combining the solar loan with my home loan to have one payment. Instead of doing what I requested they took it upon themselves to determine my escrow would be short {$1800.00} - even though I've check with the appraisal company and they have not increased my taxes. QL is now requiring me to pay and addition {$1800.00} in addition to my normal taxes without any documentation from the tax office. I applied for the Home Solar tax exception which I will hear back from in XX/XX/XXXX. However QL will not drop the increase on my home escrow until XX/XX/2019 IF i get the exemption. I'm curious how they can tax me when the appraisal district has not done so. Is this not taxation without representation?? I'm furious and have talked to several people only to get upset by them more and more. The last person said my only other option is to pay my taxes myself - after I get a XXXX balance with QL. I just want them to drop the solar tax increase, because they have no right to guess - especially when the panels were installed ( but not operating on XX/XX/XXXX ) and their site says they evaluate escrow in XX/XX/XXXX. They received my solar documents because I requested a combined loan - but they never bothered to do estimate the combined loan. I want them to drop the increase they are demanding I start paying on my XX/XX/XXXX payment.
Product: Payday loan, title loan, or personal loan

I went to cash a money order and the A+ Financial institution on XX/XX/XXXX they took the money without telling me I took out a loan in XXXX! I asked them why take my money with telling me first i owed on a loan i nearly forgot the say I got XXXX and the rest was for interest so the took XXXX from me without telling me it was never on my credit either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : AM XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX XXXXXXXX XXXX Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my XXXX and Experian credit XXXX from the XXXX XXXXXXXX courts instead they are using a non validated third party for incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately XXXX Equifax XXXX. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Mortgage

I submit this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) and request your assistance in stopping an action whose effect is to trigger unnecessary foreclosure on our home. Dovenmuehle Mortgage Company is the mortgage servicer. Our mortgage account is in current status, but Dovenmuehle has completely mishandled its responsibility as a servicer regarding our ad valorem taxes. 

In a correspondence dated XX/XX/XXXX, XXXX notified us of a new required monthly mortgage payment of {$3300.00}. Our regular payment of {$1200.00} has been in force since XX/XX/XXXX. The increased payment is the result of Dovenmuehles demand that we pay a cushion for our ad valorem taxes despite our having an existing binding payment agreement with tax authorities, as described below. 

I have called the mortgage company almost daily to get this resolved. I have received no response or reassurance that they are doing anything to rectify this situation. My calls to XXXX XXXX representatives not answered satisfactorily. 

Due to Dovenmuehles failure to respond or act in correcting this error, the increased amount was paid on time on XX/XX/XXXX, depleting our savings. The substantially higher payment creates a catastrophic situation for my wife and I, especially the prospect of losing our home as senior citizens. 

Contrary to lender escrow action to pay off our XXXX property taxes with XXXX XXXX XXXX office, we werent in breach of our tax obligation. We had entered into a legally binding agreement ( see attached ) with XXXX XXXX on XX/XX/XXXX before XXXX sent its tax payment. The payment plan is for monthly installments of {$310.00}, 3 payments of which have already been made. 

The outbreak of the pandemic, the COVID-19 national shutdown and an initial miscommunication with the tax office precluded efforts to reach a payment agreement in XXXX. XXXX was duly informed about our efforts in a phone call placed at XXXX XXXX on XX/XX/XXXX. XXXX, the Dovenmuehle representative, assured me that a note would be entered into our files, accordingly. 

On XX/XX/XXXX, XXXX XXXX XXXX tax office, upon written request from us, undertook to return the {$9500.00} pre-emptively paid by XXXX. It has already reversed the transaction on their books and initiated the process to make full refund to XXXX. 

The XXXX XXXX tax office follows strict criteria in granting property tax payment agreement which in our case, stipulated the full payment of XXXX taxes when due in XX/XX/XXXX. As a result of FCCU interference, the ability to take advantage of stretched-out payments for the XXXX liability has been jeopardized. 

I am a 65 year-old unemployed African-American man in a single-income household with my wife also attaining the same age in XXXX. As part of our commitment to discharge fully the XXXX property taxes on time, we were going to earmark my very first Social Security retirement benefit expected on XX/XX/XXXX along with future receipts into a separate escrow account at the tax office.
Product: Payday loan, title loan, personal loan, or advance loan

Sometime inf XXXX XXXX Regional Finance APPARENTLY sent me a check for {$3000.00} via mail. In XXXX, they started calling me asking about my payment on the account. I said " what account?, I don't have an account with you '' She said, well, we sent you a check in XXXX, I told her right then, If I had received a check, I would not have cashed it, as we were doing fine, financially at the time..I would have torn it up. 
She said, this must be fraud and she would send me form to fill out to claim the fraud. They did send the form requesting all of my personal information, social security number, Dr. license, etc. I took the form to police department to get a police report and they looked on their computer and said this was a scam and they were trying to get information from me. They thought they might be preying on the XXXX 
Regional Finance has been calling me 4-5 time a day on my cell phone and have harrassed me at work. It has been extremely upsetting. A lawyer sent them a cease and desist letter, but they keep calling and have reported to my credit report. I'm not sure how they got my social security number. XXXX at Regional Finance is saying I need to come to XXXXXXXX XXXX ( 90 miles from here ) to sign a fraud form, but I don't feel like it is my fault they decided to send a random check ( written to XXXX XXXX ) whoever that is. They have screwed up my credit now and I'm hoping to get help getting them to stop! I would like to keep other people informed about this company, as well.
Product: Credit reporting

There is hard inquiry on XXXX/XXXX/2016 labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have it removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed and Transunion shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to Equifax informing them via written letter, that they were reporting me as an authorized user, a charge off account from XXXX XXXX XXXX XXXX in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
Product: Mortgage

During the Covid pandemic we did a forbearance with the lender, after the forbearance ended in XX/XX/2021. We contacted the lender with a HUD certified housing financial advisor and requested a loan modification. We received the forms for the mortgage company, filled out all forms and returned them by email before said due date. We got conformation the forms were received. Then we started getting calls saying they were missing page,2 then there are missing page,4 and so on each month its something different.. On XX/XX/XXXX spoke with XXXX agent sign ( XXXX ). He was ask if update of proof of income was needed he said no. Then on XX/XX/XXXX a XXXX agent sign ( XXXX ) called requesting update of proof of income. Things like this has been going on scene XX/XX/2021. Each month its something different every agent says they are missing something different.
Product: Money transfer, virtual currency, or money service

I am filling 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA XXXX and Regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, Transunion and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XXXX all the way up til XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
Product: Credit card

I am writing to formally dispute an issue with my Citi Bank Best Buy Citi credit card regarding a delinquency that was entirely out of my control and has now severely impacted my credit standing. 

Summary of the Issue I had AutoPay enabled on my account to ensure 100 % on-time payments.

I did not remove AutoPay, yet at some point, it was deactivated without my knowledge or consent.

Citibank did not send any notifications informing me of a missed payment or an upcoming due date since XX/XX/year>. 
As a result, my account became delinquent without my awareness. 
I have a 100 % on-time payment history prior to this issue, and I would have immediately corrected any problem had I been informed. 
Due to this bank error, Citibank lowered my credit limit, which will now significantly damage my credit score at a time when I am in the process of purchasing a home.

Attempts to Resolve the Issue I have contacted Citibank multiple times, speaking with at least six different representatives. Each time, I was either transferred, dismissed, or told that no one had the " ability '' to restore my credit limit. This is unacceptable, as I was never at fault for the missed payment. 

Regulatory Violations & Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), creditors must provide clear and accurate billing statements and notify consumers of material account changes. Citibanks failure to notify me of the balance due, coupled with the unauthorized removal of AutoPay, constitutes negligence and unfair financial harm.
Product: Prepaid card

Hello. I have been waiting to get a new gift card from this company for over a year. I did advise them I had issues issuing it and they promised to mail a new one. I am still waiting for it. Please see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA. ) specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services is continually to report late payment status. I have reached out several times to ask if their company can correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers has violated my rights XXXX- XXXX XXXX  XXXX XXXX XXXX- XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft resulting from a recent data breach. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I have been keeping close tabs on my credit and have noticed a couple of different account appear on my credit that I have not opened. I have disputed them through XXXX  I have also reached out to the companies and they have all told me that they wont do anything to help me. I have also asked repeatedly for copies of the original debt so I can see if this debt is mine and all they tell me is they have already mailed it to me. I still have not received anything in the mail. 

CACI Consumer Adjustment XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX {$400.00} From XX/XX/XXXX It just appeared on my credit report in XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX {$940.00} From XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX {$1000.00} From XX/XX/XXXX I have reached out to all these companies and they will not provide me any documentation showing that these are legitimately my accounts.
Product: Credit reporting or other personal consumer reports

My identity has been compromised since before 2008 when I was XXXX XXXX XXXX XXXX and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX benefits, and who know what else that I have-not found or seen yet.
Product: Checking or savings account

Netspend has been charging me inaccurately with my funds. They have not been posting my transactions properly or not at all to take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXXXX, 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please note there is not actual account number listed for this account. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to indequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process 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.