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

An account showed up on my XXXX credit report that I have no knowledge of. They show I opened an account with Cash CentralXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with  XXXX  and they told me it was my account. I contacted Cash Central and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from Cash Central and have reported the fraud to my local police dept. I suspect Cash Central knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the issue of late open accounts. Despite multiple attempts to resolve this matter, the issue remains unresolved. I am now seeking assistance from you to resolve this matter. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. I k, indly request from your help to correct these accounts : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

I am currently on the XXXX plan. Sometime in XXXX, I received a letter from Mohela that my student loans are being put in forbearance while the XXXX plan is going through court hearings. The letter stated that interest WILL NOT accrue during this time. However, last week, I received a letter stating that my loan IS accruing interest the entire time it has been in forbearance. Checking the Mohela website, it clearly states that my interest rate is 0.0 %, yet I have been charged interest on my loans this entire time. I don't see why I should be charged interest on a forbearance that is out of my control, especially when Mohela said that this will not be happening. It seems Mohela is attempting to extort money from those affected by this issue.
Product: Credit reporting or other personal consumer reports

During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame. Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. I sent in a dispute letter to XXXX, I just received notification of the result of my dispute was that the late payments will remail on my account, but i feel a proper investigation wasn't done. I need to know who they spoke with because there's definitely notes in their system of me calling in and being on a payment plan.
Product: Credit card or prepaid card

I was charged 16 late fees from the time period of XX/XX/XXXX to XX/XX/XXXX which total {$580.00}, which represents more than 30 % of my total bill. I was making my payments on time automatically deducted from my account for payment towards my balance. The amount that was being deducted wasn't enough for the minimum payment and was off by a few dollars. I am XXXX  XXXX and did not realize this on my statement until my daughter noticed my statement. I have been calling Capital One about this issue and it has still not been resolved.
Product: Checking or savings account

I was recently banking with chime and I was notified that ny account would be put on suspension until I provide said documentation. After I provided documentation my account was still closed. Now there telling me they wont issue a check to me but instead the originator would have to request it but they cant because they arent allowed to do so.
Product: Mortgage

In XX/XX/XXXX we started having financial difficulty due to a large reduction of income ( 50 % ), increased housing expenses and medical bills due to a child 's XXXX injury. Since then we applied for a loan modification on our own, no attorney involved, at which time we were turned down for too much income. We then hired an attorney and applied for another loan modification that has been ongoing since XX/XX/XXXX. Of course we filled out all necessary paperwork that was needed asap, but the servicer still asks for the same paperwork over and over to this very day. We must get letters, XXXX or XXXX a month stating our file is incomplete and we have had over XXXX dozen case managers since the start of this all. For fear time was running out, our attorney said we needed to file XXXX XXXX Bankruptcy, which we did. During our filing, we were under the impression that we did n't need to make payments to the trustee until the BK was accepted. That was incorrect and the BK was therefore dismissed. During the few days we were not under bankruptcy protection, the servicer PHH foreclosed on our property without our knowledge. We never received notice here at our home nor did our attorney. We went in front of the judge to reverse the decision as we were still awaiting our modification loan response and were denied. So the bank legally owns our home, while we are awaiting our modification answer. We have filed XXXX lawsuits against our bank trying to explain that the sale was done illegally, without any knowledge of the sale and dual tracking. We have since had to file a XXXX bankruptcy to stay in our home which was denied due to the fact that we do n't own it any longer. All during the foreclosure process we have had contact verbally and through email with PHH, still giving them all the required documentation for the modification loan. So to that end, we do n't understand how our home was sold beneath us? How they can be reviewing our modification loan and still foreclose? We want to keep our home. We have n't gone through all of this. XXXX BK 's, several lawsuits, precious time and expense to just " buy '' time. We have XXXX young children who were born and raised in this home, with the same friends and in the same school system. I hear that banks do n't want to foreclose on homeowners however what else do we have to do to get our home back and our modification loan that we so desperately want??
Product: Credit card or prepaid card

I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX  and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Tidewater Finance Company reported large late fees to XXXX and XXXX even though they had agreed the said charges were in error.
Product: Checking or savings account

Im permanently XXXX with XXXX XXXXs. Im home bound and also a military dependent. I opened this bank account over two decades ago. Ive never had overdraft protection. Im good at budgeting the XXXX I get total monthly from Social Security. This morning I called to Purchase a car battery through XXXX because I have no running car. I use it for a security alarm. I sleep with my keys in case I need to push panic on my XXXX year old vehicle. My account is negative. I have access to XXXX dollars. The bank was very rude offering me the fraud number. They advised me fraud department closed XXXX. I can call tomorrow. You mean the XXXX when I get my XXXX?? From Social security XXXX?
Product: Mortgage

on XX/XX/XXXX, we contacted a realtor about a new build spec home on XXXX XXXX XXXX XXXX XXXX XXXX, MD. 
The realtor was not the listing agent, we did tell her we were asking about this home. 
" XXXX, " called about the home on our behalf and was told it was a new build spec home and would be finished late XXXX. ( because XXXX took awhile to get the info to us and we didn't want the home to sell, we decided to go directly to the builder 's office ( big mistake, they work strictly for the builder, and don't work for the buyer ). 
XX/XX/XXXX, we contracted XXXX XXXX XXXX XXXXXXXX XXXX. '' We told XXXX we were interested in the home. We informed her that my husband, XXXX, was having major XXXX XXXXXXXX on XX/XX/XXXX and we are not looking to purchase anytime soon as he will be unable to move. We asked again " we understand the home won't be ready until late XXXX? '' XXXX confirmed this and said " You should be good, XXXX maybe even XXXX because of the rain and permits etc. '' We also asked XXXX to see if we can get any refund on the home price because we are not using a realtor and that alone is a lot of commission taken off the price of the home at 6 % the price. Weeks later after asking again, she quipped back " oh, there is a listing agent ( we never spoke to this woman or even know her name ) She will get the commission on the home, and ill get a little of that. '' We reiterated about XXXX XXXX XXXXXXXX and she again said the " home won't be ready until at least XXXX. '' " We still have to get things set w/the property, permits, and HOA approvals and allll this rain we've had has pushed things back. '' " If you're interested, lets see if we can get you approved. '' THE LOAN : We mentioned to XXXX that we want to stick w/our mortgage company " XXXX XXXX as we have our current home w/them and we had an excellent process w/them and no complaints '' Her response was " XXXX only likes to deal w/our lender, Envoy Mortgage. They know Maryland law and the closing is a lot smoother for him going w/Envoy. '' " going w/an outside lender slows the process and we will charge 1.5 % interest per day on the price of the home if the closing is delayed. " ( bullying the buyer?? ) " We give incentives, 30 % off extras and 2 points back at closing and there are no delays because they know Maryland laws. '' ( XXXXXXXX XXXX is # 2 in the nation and is a national mortgage company?? ). 
I ran out of room basically, we have been bullied into a loan we can not get out of. they have XXXX of ours. We want to go VA and now we can't please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from XXXX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 card or prepaid card

To whom it may concern, I have been a victim of discrimination. I do not like to use the race card when dealing with personal or professional matters, but I had to discover for myself if this was the case. I wanted to prove that this was due to race so my co-worker and I conduct our own investigation. I have four credit cards from Synchrony Bank. Three are department store cards and one is a care credit card. Now before this investigation, I was late on my credit card bill no later than 7 days. I called the credit card company to inform them that I was sick with covid and the bill totally slipped my mind. I made a payment and I notice they had decreased my credit right away. I spoke with a credit representative at Synchrony bank and they said their policy is to run consumers ' credit whenever they are late on a payment. This is incorrect. I never received any statements in the mail as to why my credit was decreased or why they were running my credit each time I was late. I never experience this type of behavior with any other credit card company. I know that Synchrony Bank can not report late payments unless they are 30 days or later, but they are using other methods to destroy people of XXXX American race credit. I was never late more than a week. The company then said I was decreased because I had a collection on my report that was there when I applied for the card and was approved. As I mentioned I have four credit cards with Synchrony Bank and one card had a XXXX credit limit I was late they took decreased it to XXXX. My other credit card was XXXX decreased to XXXX. The last card was XXXX dollars. I tried to get a credit increase over the phone but was denied. I went into the store with the same credit card to buy a stove and XXXX  and was approved for increased credit for my purchase. My co-worker who is XXXX decided to conduct this investigation, so we proceeded. She was late on her credit card bill for 5 days and received no decrease in credit usage. I did the same and received a decrease. The world is a cruel place. I believe in equal opportunity. I will be contacting the State Attorney General and the Department of Banking.
Product: Debt collection

Yes collection agency sunrise call and Text my phone daily all day every day tying up my phone lines.
Product: Mortgage

On XXXX/XXXX/XXXX Fay Servicing assumed my mortgage from XXXX XXXX XXXX. On XXXX/XXXX/XXXX, Fay debated my escrow account {$1600.00} tax disbursement presumably for the XXXX XX/XX/XXXX property tax installment due to XXXX XXXX County on XXXX/XXXX/XXXX. However, XXXX already made the {$1600.00} tax payment on XXXX/XXXX/XXXX prior to transferring my mortgage account to Fay. This information was provided to Fay by XXXX with the loan 's transfer document. Fay caused a double payment to the tax collector. I have contacted the XXXX XXXX County Tax Collector to inquire about the double payment and was informed that : ( 1 ) they have no record of over payment ; ( 2 ) They only have a record of payment of {$1600.00} from XXXX and no record of any {$1600.00} payment from Fay for the XXXX/XXXX/XXXX installment. Fay took {$1600.00} from my account under the pretext of tax payment and kept it to itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX, Equifax, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian declines to remove the unauthorized inquiries and opted instead to make false accusations and allegation in which I am quite displeased about ... 
However, I have read countless reviews about their erroneous reporting, and how they will claim you are using a repair company, because you know the law ... indeed a lot of complaints will sound the same when you ( Experian ) are causing the multitudes the same issues and grief ... litigation will follow if this is not cleared up, and the accusations don't cease, and it is at my discretion to use a company if I want, yet I opt not too, because I can take you to court myself ... and I know the law promptly delete- XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX In, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX   XXXX , XXXX XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX 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: Debt collection

On XX/XX/2021 my mother was served by a process server at our home. The process server told my mother that I had a court date for XX/XX/2021 at XXXX XXXX in the county court of XXXX in Colorado. The process server told my mother that I could go to jail if I didnt show up at this court date. My mother gave the documents to me on XX/XX/2021. Upon reviewing the documents I found that while they appear to be an official summons to answer and related forms, the papers are actually falsified documents. There are no case numbers, no signatures and no stamp of approval by the county clerk. In fact, the forms state plainly at the top that they are for court use only. I called the company immediately and they admitted that there is not a court date and that the petition was never filed in XXXX County but that I owed the debt of {$320.00} plus the fee to the fraudulent process server ( which they didnt know or provide the amount ) and the alleged fee for filing, which again, was not filed. I believe that this is a deceptive tactic that is disallowed under the fair debt collection practices act. The company will not return my phone calls and this why I am submitting this complaint. Please see the attached photos of the document that was served to my mother yesterday. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.