23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage a few months ago due to XXXX reduced hours, and missing time from work during my illness. The mortgage company emailed me about the past due amount and said I could get help if I fell behind due to XXXX. I called and asked if I could get help and the answer was no. They were only concerned about their money. 21st mortgage has never tried to help me. They want to know all your business and are very rude and disrespectful when they speak. I've been living in this home for 9 years and only {$4000.00} has gone towards the actual mortgage. The interest is outrageous. Also, the roof was damaged during hurricane XXXX and I filed an insurance claim. They sent a check then I sent it to 21st because they had to sign it. They won't send the check back unless I send them some estimates and some other paperwork. That's ridiculous!! They are trying to keep the money instead of sending it so I can get the roof fixed. The check is only {$3900.00}. I'm going to have to pay extra out to pocket to get the roof repaired. 21st mortgage needs to be sued for their fraudulent business practices.
Product: Credit reporting or other personal consumer reports

Bank of America reported a delinquent payment on my credit report without sending me a statement or any default notice. It is my understanding that this is a violation of the Fair Credit Billing Act Part D 1666 ( b ) 6. 

I only learned of this past due payment from an XXXX alert telling me I had a negative item reported. I pay my charge card off in full every month. The month the payment wasn't made Bank of America did not send a statement. I can't make payment on a bill I don't know I have. There was no statement in the mail, text alert or phone call. 

Once I received the XXXX alert I immediately contacted Bank of America and paid the {$66.00} credit card balance. After lengthy investigation with Bank of America, they advised me over the phone that my account was switched to paperless billing and that they can't find authorization from me to switch and it appeared to be a system glitch on their end. 

They have told me numerous times they will update the credit report but they haven't done so yet. It is unfair companies like Bank of America can report a negative event on a credit report without first sending a bill or notice of payment due, or notice of default to the consumer. 

They have refunded the late fee and interest charge related to this payment. I'm requesting your help in correcting their credit reporting to XXXX, XXXX and XXXX. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX ; -Account XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection from the XXXX XXXX XXXX for XXXX XXXX XXXX account number ****XXXX for {$3800.00}. ( Please see page 4 of the attached credit report. ) I lived at this property from XXXX to XXXX. I never signed a lease nor did I ever owe any back-rent. This debt is fraudulent. XXXX and XXXX are reporting correctly. This false reporting is harming my credit score. Please remove this collection line item from my credit report.
Product: Credit reporting or other personal consumer reports

Would you mind removing these inquiries? I have no information about them, and the company did it without consulting me.
Product: Credit reporting or other personal consumer reports

Now, I've found that the accounts have been reinstated on my credit report. If any data previously removed from a consumer 's record under subparagraph ( A ) is added back, the consumer reporting agency must inform the consumer in writing within five business days of the reinstatement. Alternatively, if authorized by the consumer, the agency may use any other available means for notification. Below are the list of accounts that reinstated iin my Credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below. 

XXXX XXXX XXXX XXXX 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: Mortgage

Ocwen send me a notice that i need to send {$1200.00} for escrow which I did to keep my payment at XXXX per month, then they sent me a new payment of XXXX per month when i asked them way the increase they had no answer. This is my second time filing against this company, why they are still alowed to contunie in business I call XXXX in XXXX to bring this company
Product: Money transfer, virtual currency, or money service

Good afternoon, on the terms of Zelle and its handlings of its disputes. I see the CFPB has filed a lawsuit in the regards of issues with the Zelle platform, on which I have had many issues with in the past with getting money back that was sent or wrongly sent. I have used Zelle many of times and has had numerous occasions were my claims werent looked into adequately. They have mentioned before that recovering sent funds is nearly impossible to receive back or to get the transaction tracked. The CFPB has stated that Zelle has failed to protect their customers and their funds leaving a great chance for their customers to get scammed. The lack of care and accountability raises huge concerns and enormous safety issues with the company.
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized and this inaccurate address was not mine. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding these accounts. I have directly contacted all the companies involved and have followed the necessary steps advised to resolve this issue. I have also filed an identity theft report with the FTC and have initiated the dispute process with the companies. Your assistance in resolving this matter would be greatly appreciated. 


I request that you investigate the following fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Good afternoon. I'm XXXX XXXX on XX/XX/year> I checked my consumer credit report. There's a lot of inaccuracies and malicious items that are hurting my chances to life a better a life. I would like for them to be removed immediately. Thanks.
Product: Prepaid card

I attempted to use my card to purchase gifts for my family on XXXX and the card kept declining. In an attempt to access my money I tried to send it using different money sending apps but none of them worked, the card is worth {$100.00} but because of the attempted purchases I have XXXX cents taken for pending transactions
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 JXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations :

inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My TD bank credit card ending XXXX expired XX/XX/23. I never received a new replacement card, and I didnt notice since I rarely use this card. I only used this card to charge XXXX auto insurance premium & balance transfer checks in the past. On XX/XX/23 I made a payment to XXXX using this card, so I checked the billing statement. I was shocked to find out there were many fraudulent charges between XX/XX/23 to XX/XX/23 for a total of {$11000.00}. I called TD bank to dispute & also found out that TD bank did send out a new replacement card which I never received. I strongly believed my new card must have landed in the hands of the criminal. It was too late to find out the card was stolen since damaged were done. I was concerned if I was a victim of identity theft or TD bank failed to provide sufficient security measures so the criminal was able to activate my replacement card? On XX/XX/23, TD failed to reach out to me for verification for a large payment of {$10000.00} to XXXX XXXX which I didnt know the nature of business & any contact information. It appears like a scam since I found no clue of this company in my search. Then with the TD bank lacking security, the criminal continued using my stolen card purchasing in various stores in XXXX wheres distance from my residence in XXXX. Again, TD bank failed to detect unusual card activities & irregular purchases patterns. I filed a police report. I informed the credit unions. I filed disputes with TD bank without success. I dont understand why TD bank denied my disputes while they claim credit card XXXX liability with unauthorized changes. I am reporting this problem to your agency, hoping you could direct TD bank to do a thorough investigation on my case, bringing true answer to light. I trust your agency can do everything in your power to protect consumers including me against fraud. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A states that 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681 what is 1681 s-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the info is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit reporting or other personal consumer reports

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had several XXXX  XXXX accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.
Product: Debt collection

THIS IS NOT A DUPLICATE!!! 

XXXX XXXX XXXX never provide me with a HIPAA XXXXelease form, when they tried to validate the medical debt. which is a HIPAA violation!
Product: Debt collection

Stop ignoring my requests ; I'm serious about suing your company for not fixing my credit report. Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts now or face legal action, and respond immediately to avoid further consequences.
Product: Mortgage

I filed an application for a mortgage refinance loan with Chase Mortgage Bank and submitted all the financial information requested. After 60 days, Chase Mortgage Bank changed the terms of the loan and later admitted that they had miscalculated my debt/income ratio and I needed an exception approval. Chase changed the status of the loan as approved but also changed loan terms without proper notification. The Loan Agent never notified me regarding how points on the loan was increased as well as the total amount of loan costs. All without proper disclosure. It was a bait and switch tactic which occurred late in the application process. They repeatedly used their online website to continue to add more " tasks '' and ask for more financial documents. It appeared that Chase began to add deadline dates for more information for me to miss a submittal deadline and thus have a basis for loan denial. I demanded they change the loan terms back to what was originally quoted. My e-mails were ignored. I submitted over 130 separate loan document uploads to Chase as requested. In some cases, the repeat requests were for already submitted info. Chase, indicated the loan was approved and scheduled the loan signing date, but later after waiting over 90 days cancelled the loan approval when they notified me that the loan underwriters could not approve the loan because my income was considered retirement income, and I did not submit certain tax documents ( that were never requested regarding self employment income ). Which they originally said would not be used to qualify for the loan. I have excellent credit with no late mortgage payments in the past 20 years. I clearly feel I was discriminated due to my age and/or XXXX race.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. ''
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 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 proces 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants Inc. is reporting a account to all 3 major credit bureaus that is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter or ANY other communication from this company before attempting to start collection practices. I was never contacted before credit reporting. I have contacted my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Diversified Consultants VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have sent my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.