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

Federal law states It is a FACT you can not treat 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 havent received any late notices of the debt, however what i did recieve is massive points lost and my score dropping significantly. You reported late XXXX, XXXX, of this year ( XXXX ) ; XXXX, XXXX, XXXX, and XXXX of last year ( XXXX ) and if I have never received that, then by LAW you can not report any payment as late. Thats a violation of 15 U.S.C 1666 ( b ) Federal law. You ( XXXX XXXX XXXX ) MUST COPMPLY since you ( XXXX XXXX XXXX ) under the SEC on your XXXX report ; More specifically Commission File No. XXXX, in there it states under Regulation of Consumer Lending Activities : The activities of the Bank as a consumer lender are subject to regulation under various federal laws, including, for example, the Truth in Lending Act ( TILA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), the CRA, the Servicemembers Civil Relief Act and the Military Lending Act, as well as under various state laws. TILA, as amended, and together with its implementing rule, Regulation Z, imposes several restrictions on credit card practices impacting rates and fees, requires that a consumers ability to pay be considered before issuing credit or increasing credit limits, and imposes revised disclosures required for open-end credit.. XXXX XXXX XXXX also willingly violated 15 U.S. Code 1681b ( 2 ) Permissible purpose of consumer reports. I never gave you written, nonwritten, verbal, and nonverbal consent, to add anything let alone transactions to the report and with each violation and inaccuracy ; thats XXXX $ for each and for the mental and emotional injuries XXXX XXXX XXXX has caused ; thats identity theft 12 CFR 1022.3. 15 U.S.C 1682a ( 2 ) ( a ) ( i ) EXCLUSIONS ; federal law says no transactions can be placed on the file ; it is ILLEGAL. 15 U.S. Code 1681o Civil liability for negligence noncompliance, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of XXXX. Any actual damage sustained by the consumer as a result, failure negligent noncompliance means the law was violated not on purpose but just due to lack of knowledge of the required reporting procedures. 
XXXX XXXX XXXX theres no lack of knowledge for the law via the statement in the XXXX Filing, so there for you XXXX XXXX XXXX fall under 15 U.S. Code 1611 Criminal liability for willful and knowing violation. You have a fiduciary obligation and a professional DUTY to follow the laws of commerce.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$30000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/year> they are contacting my employer about a property. Ive never lived there, trying to collect the debt. They are calling me nonstop.i
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies written or verbal approval to Inquire on my credit profile. I don't have any knowledge of these transactions. These companies are in violation of my rights and would like these inquiries removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> AXOS BANK XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy Court XXXX XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been issue a Chase check from XXXX  XXXX XXXX XXXX after XXXX  days of waiting. It was the security deposit I got back after the end of my lease. When I went to Chase bank, I have been told the check is not valid and I have to see with XXXX  XXXX so I can be issued another check and then cancelled the endorsements of my check. I tried to cash it out in many institutions but they all denied my check too. I was counting on that money to pay my bills.
Product: Mortgage

XX/XX/XXXX applied for cash out refi. Was informed by mortgage loan originator to skip XXXX  mortgage as we were to close the week of XX/XX/XXXX. This fell through and was latter scheduled to close XX/XX/XXXX before XXXX that fell through I had in turn to pay XXXX mortgage pmt in which I incurred a late fee. I was then informed to skip XXXX pmt. following there directions I complied and incurred another late fee. I was informed that after 100 days two late mortgage pmt and a late car note we closed on the XXXX of XXXX with a 3 day right to refuse and the refi was to fund onXXXX XXXX today is the XXXX XXXX they paid off primary mortgage but did not fund my cash out proceeds into my checking account I guess maybe it will eventually fund after XXXX. 
I wish to file a formal complaint against Home Point financial they are the most unprofessional, incompetent, unorganized institution I have ever encountered. 
They went home on XXXX leaving this refi loan in total limbo and still is at this time partially funded. 
I only wish to help all veterans to steer clear of this institution which is a total fiasco!! 
They have proved time after time they are not customer friendly but are highly incompetent.
Product: Credit card

I ordered a shed from XXXX. It wasn't delivered. Even XXXX confirmed that. XXXX promised a credit, but didn't follow through. So I disputed it with my credit card company. My credit card company closed the case in my favor, and issued a credit. Around that time XXXX also issued a credit. I figured the credit card company would reverse out their credit, and they did. Which was perfect, because I had the one credit I was entitled to. 

When I checked today I see that the credit card company decided to reverse out their credit TWICE! They only issued a credit once. They admit they made a mistake, but did not fix it in that call. 

I am owed {$1100.00} from the credit card company. I need this corrected. This is literally making me physically ill, this has been going on since mid XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Debt Validation Request FCRA & FDCPA Compliance Required Account Name : XXXX XXXX XXXX XXXX Allegedly Owed : {$2300.00} Dear XXXX XXXX XXXX and TransUnion, I am writing to formally dispute the above-referenced account appearing on my TransUnion credit report. This dispute is being submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 809. 

XXXX XXXX XXXX XXXX for Debt Validation ( FDCPA 809 ) 1. Under the FDCPA 809 ( b ), I am requesting that you provide the following documentation within 30 days as proof of your right to collect this debt : Complete Account Statements from the original creditor proving the alleged balance of {$2300.00} is accurate. 

2. Proof of Assignment or Purchase Agreement between you and the original creditor, establishing your legal authority to collect. 

3. A Copy of the Original Signed Contract showing I agreed to this debt.

4. A 1099-C Form if this debt has been charged off and is uncollectible per IRS guidelines . 

If you can not provide these documents, you must immediately delete this account from all consumer reporting agencies, including XXXX. 

TransUnion Formal FCRA Dispute ( FCRA 611 & 623 ) Additionally, I am disputing the accuracy and completeness of this reporting under FCRA 611 for the following reasons : The original creditor name is missing, violating FCRA 611 ( b ) ( 1 ) ( B ). 
The balance is inaccurate, and I demand verification under FCRA 623 ( a ) ( 1 ) ( B ). 
The account is marked as " Consumer disputes reinvestigation in progress '', and if this dispute has exceeded 30 days, it must be deleted immediately per FCRA 611 ( a ) ( 1 ). 
Under the FCRA 611 ( a ), you are required to complete this reinvestigation within 30 days. If you can not verify the accuracy of this account with documented proof, you must remove it from my credit report immediately. 
Notice of Legal Intent Failure to comply with my request will result in the following actions : I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of the FCRA and FDCPA. 

I will consider pursuing legal action for damages under FCRA 616 and FDCPA 813, which allow statutory damages of up to {$1000.00} per violation plus actual damages. 
Please send all written correspondence to my address listed above. If this account is not removed or validated within the required timeframe, I will escalate this matter accordingly. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Weeks ago I received the attached 1099-A from Chase ( see attached ) showing in the top right corner of this form, that they have " furnished '' to the IRS, this attached form, when in fact I just got off of the phone with IRS representative ID # XXXX XXXX XXXX for near an hour talking with her. She informed me as of Today XXXX at approximately XXXX pm, when I talked to her that Chase did NOT file any 1099-A with the IRS. This is the second time since XX/XX/XXXX when Chase did the same thing with the last illegal fraudulent foreclosure on my home, sending me the first fake 1099-A form, which they later resinded and corrected the 1099-A ( see attached ). I am asking the CFPB to investigate and inform the FBI, FTC, and IRS of these false forms being sent to me in a desperate attempt to steal my home AGAIN with FRAUD!!, while emotionally terrorizing me for years. I am XXXX yrs old, XXXX, indigent, with only a high school education whom recently had XXXX XXXX in XXXX of XXXX and another medical stress related event This week being admitted to the hospital due to the severe stresses done to me here since XXXX by Chase for illegal foreclosures on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Debt collection

Hello I'm submit a complaint with Consumer Financial Protection Bureau about an account that's on my credit report with the credit bureau XXXX. The accounts named, M & M CREDIT ( XXXX XXXX XXXX XXXX XXXX ) presented since XX/XX/2015. I have disputed this account once before about the dates on this account being incorrect, also the balance and/or past due amount are/is incorrect. and credit score amount due {$6400.00}.
Product: Checking or savings account

XX/XX/2023 XXXX. Two ( 2 ) invoice payments were approved using credit card via Square terminal. {$1100.00} & XXXX less XXXX XXXX  Fee. 
Both funds were on risk hold for possible fraudulent payment. 

XX/XX/2023 XXXX I completed and submitted the required questionnaire and documents to support the 2 transactions flagged by square. 

XX/XX/2023 XXXX XXXX sent email. Confirming they completed review of the 2 transaction and were satisfied with my response to their request for information. 

Risk hold funds were released and made available on my account. 

XX/XX/2023 XXXX Unauthorized transaction of transfering out funds made my account in the amount of {$1700.00}. 
I called square support at XXXX multiple times with no help. I spoke with banking team and the accounts team. Both dont have info why the funds were deducted on my account. 

I gave a poor feedback and XXXX, merchant engagement manager called and spoke to me. After conversation. She sent to me the info on where the amount came from that was taken off my account. 

However, no information was given as to why they transfer out the funds. 

All the available cleared funds were taken off my balance. I didnt get any intruction to refund any transaction. They just took bec they can but for what?. 

I worked hard to get paid. I am not a salaried employee. 

I get paid with commission only at the end of my service.
Product: Mortgage

XXXX XXXX, 2017, monthly mortgage payment {$980.00}, I received an email from Mr. Cooper who wanted my payment by email and then I called Nationstar Mortgage.
Payment and payments always were payable to Nationstar Mortgage. I was never notified that they changed their name to Mr. Cooper.
I expressed to the representative that anyone with the name of Mr. Cooper can deposit or cash payments. I have 20 years of banking work experience and know that fraud can occur. Also called my bank and other banks to verify that fraud can possibly occur because of the name change to Mr. Cooper and the bank 's response was " yes ''. Mr. Cooper 's representative said I had a wrong mentality and that no one by the name of Mr. Cooper can cash or deposit my mortgage payment payable to Mr. Cooper other than them. I 'm very concerned that my mortgage payments may not be cashed or deposited to a mortgage company. If fraud should happen, how can I prove who and why my mortgage payment was deposited or cashed by someone else by the name of Mr. Cooper? My home is important to me and feel this can lead to a serious problem to me and other customers.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

Please investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX XXXX. XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Debt collection

These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high to continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

CONTACTED SERVICER XXXX=CUSTOMER SERVICE REP STATES THAT XX/XX/2018 ESCROW ANALYSIS WAS COMPLETED AND SENT TO BORROWER VIA US MAIL , SHE PUT IN ORDER TO EMAIL ESCROW ANALYSIS, AND WE SHOULD GET IT IN 24-48 HOURS THE CURRENT PAYMENT AS OF XX/XX/2018 IS {$680.00} UPB $ XXXX..UNAPPLIED/SUSPENSE BALANCE $ XXXX.SHE TRANSFERRED US TO DEFAULT DEPT ... .... 
1ST REP XXXX/ID XXXX=SHE STATED BALANCE DUE WAS XXXX 3 MONTHS DELINQUENT BREACH LETTER WENT OUT. 
1ST REP XXXX/ID XXXX ... SHE PUT IN TICKET/CIT REQUEST TO REQUEST THAT FUNDS IN UNAPPLIED BE PAID TO XX/XX/2018 PAYMENT, SHE PUT IN THE SYSTEM THAT THE BREACH LETTER IS NULL AND VOID NOW. THE BALANCE SHOULD NOW BE {$2300.00} ONCE UNAPPLIED FUNDS POST TO ACCOUNT.

WE ASKED IF THIS BANK ERROR, ( SENDING PAYMENTS BACK SUCH AS XX/XX/2018 RETURNED {$580.00} THAT IS SET UP ON AUTO DEBITED FROM HIS CREDIT UNION ACCOUNT BY HIS CREDIT UNION ) HE WOULD HAVE LESS OF A DELINQUENCY BALANCE AND SHOULD NOT HAVE INCURRED ANY LATE FEES. REP RESEARCHED THIS QUESTION AND STATED=SHE FILED ANOTHER CIT TICKET TO HAVE LATE FEES REMOVED FOR XXXX, XXXX AND XXXX WHICH is PENDING AT THIS TIME, REP NOT SURE HOW LONG THIS WILL TAKE TO ADJUST.. MR XXXX REQUESTED THAT THE ADJUSTED/CORRECTION BE EMAILED, REP STATES IT WOULD NOT BE READY SINCE SHE  JUST SENT THE CIT TICKETS, HE WILL NEED TO CALL BACK TODAY OR TOMORROW. 
As of this date they have not completed the CIT tickets Completing the tickets would give me the actual balance due in order to bring my payments current. I pay my mortgage through my bank auto-pay. My payments were never late. 
They force applied insurance when I have insurance, made payments to the insurance company out of my mortgage payments. Wanted me to pay them {$3800.00} by XX/XX/2018. 
Charged me late fees when I was never late due to auto-pay. 
Have not completed CIT tickets so I can bring my account current.
Product: Mortgage

Nationstar Mortgage has 1 ) not appropriately applied my excess loan payments towards principal. They forward it to the next month 's minimum payment. 2 ) put me on internet only notices without my permission, 3 ) and have continued illegal and predatory treatment of me.
Product: Credit card or prepaid card

So the issue I have is with the Bluebird service ... I was a customer for some years ... but in XX/XX/2019 everything was going well ... my employer was direct depositing my pay into this account when one day i got notice that my direct deposit was refused ... this occurred on XX/XX/XXXX along with an email stating i violated some sort of member rule. I tried calling them but as my phone number was linked to my account they simply wouldn't put me through to a person. At the time as my account was randomly closed i decided to sit and wait for a check of my balance on the card .... it ... NEVER ... came ... fast forward 7 months and we are now pushing XX/XX/XXXX ... and every month i'm getting a statement email telling me i have this money in my account ... however, my card is shut off, and i can't talk to anyone ... so essentially they are holding my money hostage ... I have all the emails to prove what has happened ... I just want my money back and to never ever ever EVER deal with bluebird again.
Product: Debt collection

MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided, please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP.