23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Homeloanserv. 
They have been a nightmare from the start. 

My wife and I originally set our mortgage to be due between the XXXX of each month. This is the time frame we have the money to make our Mortgage payment. HomeLoanServ has a policy of all payments being due on the XXXX no matter what. We weren't aware of this until it was too late. We received a letter in the mail stating they were taking it over and that was it. I have talked to them nearly every month since. They refuse to change the payment due date. They refuse to allow split payments. This is causing a serious issue for my family. We are charged {$110.00} a month extra on top of our already {$3600.00} mortgage. This is incredibly hard on us. We have paid a total of {$1400.00} in late fees since they bought our loan in XX/XX/2022. 

I've asked them multiple times to work with me. I tried making a split payment to avoid the fee and the very next month I received an email saying " Split payments will no longer be allowed. Due amount must be paid in full in 1 payment each month ''. 

They call me every month between the XXXX to tell me that my payment is late. Asking when I'll be making the payment. 

Every time I have talked to them, or asked if there Is anything we can do. The only thing they tell me is. " You don't have to pay your late fee now. You can pay the mortgage and pay the late fee later '' this does not help at all. We're still being charged quite a bit extra. They refuse to work with us in any way. We had no say in them taking over our loan. I feel like it is wrong to continously XXXX XXXX over and not allow any way to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

hard inquiry from XXXX XXXX in XXXX of XXXX did not authorize, address is not real or correct. called in XX/XX/year> to have removed. was told needed paperwork from XXXX. called XXXX and was informed that said information is NOT in their system. can't send paperwork for non-existing account. TransUnion has refused to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is adding fees, and interest to a balance that should have ceased due to the pandemic and the president extended the cease on student loans. 
I am still getting emails, and XXXX is still calling my phone and my message number to harass me. 
It seems that nothing is being done to this company no matter how many times I file a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. Fraudulent accounts and inquiries have been added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit card

On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. 

On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. 

Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. 

In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. 

So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. 

How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received a collection letter for a debt that I do not owe on a private student loan. After calling the collection agency, I was told that the debt was from XXXX XXXX when I attended XXXX XXXX College in Washington State. I was not aware of any private student loan from my time at XXXX XXXX College so I called the school to inquire and they informed you that the school did not accept any private student loans so it could not have been for anything related to that education. I sent them a validation letter on XXXX XXXX, XXXX but I have not received any information back from them. Then today I went to see an attorney and she called and got additional information. They told us that the student loan was originated by XXXX XXXX XXXX who filed a bankruptcy in XXXX XXXX. However, they say the loan was sold to XXXX XXXX XXXX XXXX who is now the owner and that it is serviced by XXXX XXXX. We were told the telephone number is XXXX. During the conversation we were also told that the loan in question has been in forbearance for 9 years and that there has never been a payment on it and that repayment was not scheduled until XXXX. I have no knowledge of this loan and do not believe it is my debt and I finished an XXXX degree from XXXX XXXX College in XXXX. I only took out federal loans for that education so nothing about this loan makes sense. I am concerned because this debt is presented to me in a collection letter as legitimate and I can not figure out what it is or why it is collectible. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my recent credit report and I noticed navient accounts that I did not recognize that had payment history and payments that had no data. I have tried to fix this problem with XXXX over three times but they still report inaccurate information on my credit report. They are violating the fair credit reporting act. XXXX  and XXXX  have already removed these navient accounts from my credit report because they are reporting inaccurate information reporting payments that I never made and having no data for certain months. I disputed these inaccuracies in XX/XX/XXXX and got my results back on XX/XX/XXXX the results were updated and incorrect payment history still remained on my credit report. I disputed again and the results came back updated and no data still remains on the accounts. I have provided proof of the results. I have gave XXXX over 3 months to correct this error they never once provided me with the documents like I asked I asked them to provide me the proof from the company that I made these payments and the bank that was used to make these payments I never recieved any of these documents.i have spoke with a credit repair lawyer if you the CFPB can not assist me in this I will be forced to file a complaint with the FTC against XXXX and than persue litigation against XXXX  for reporting these inaccuracies on my credit report.
Product: Bank account or service

On XXXX the XXXX I had {$40.00} in my checking account. They then proceeded to charge me a {$38.00} insufficient fund fees. 
This bank fee charge is funds money that I needed to by food to eat.. I am working very hard to better my situation, but the {$38.00} fee really hurts. the {$40.00} in my account was depleted in entirety by the {$38.00} bank fee. This fee was charged due to my only having {$40.00}. in my account and is a very unfair and large fee to charge.
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 acccount vilnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian, Equifax & Transunion have all failed to fulfil their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience. They have neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as their inaction violates federal law and my rights. These are the accounts/personal information I've marked as inaccurate and are still showing : 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX 5. ) XXXX XXXX 6. ) XXXX XXXX XXXX 7. ) I XXXX XXXX Collections XXXX 8. ) XXXX XXXX XXXX 9. ) XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding placed my account in collections for {$3600.00}. I settled this debt with XXXX XXXX. The original balance on my account was {$5600.00}. XXXX XXXX offered me a settlement in the amount of {$1900.00}. They stated that once I paid the debt it would be considered as paid in full and no other collection activity would continue. I paid the settlement. LVNV placed my account in collections for the balance of {$3600.00} that was settled. This is lying. The letter in writing shows the debt would be settled. This is illegal.
Product: Checking or savings account

Ive gotten charged by BBVA compass for NSF fees, they constantly charged me for a transaction debiting the money from my account and then recharging it again once pending wait is over. 
Overall for the month of XX/XX/XXXXXX/XX/2020 theyve charged me {$480.00} for nsf fees, last month XXXX in total of {$560.00}, in XXXX XXXX total of {$120.00}, and in total {$540.00} in nsf returned items charged. 
Thats in total of nearly {$1500.00} theyve taken from me. 
Its not okay especially during this pandemic, I get paid and Im left with nothing but some more over draft fees. I dont know what else to do Ive called them to resolve the issue and they wont provide me any assistance. Its been happening a lot lately and its draining me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with ( XXXXXXXX XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 and this company has failed to validate this debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I requested a signed HIPAA form authorizing them to have access to this information which they could not and did not provide. There is very personal information on those medical records so this has not only violated the HIPAA laws but it has also caused me stress and embarrassment. Please delete this information from my credit files and cease all collection activities immediately.
Product: Checking or savings account

I asked TD to close my checking account. They did not do what I asked them to do. Instead, they kept my account open and continued charging me monthly service fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  Capital one bank made a hard inquiry onto my account. I was not clear and conspicuously informed of and extended time limit against the Fair Credit Reporting Act. 
On XX/XX/XXXX, I called them attempting to dispute the inquiry and be notified of any laws pertaining to the facts. Their response was " nothing you can do '', " it doesn't matter what the FCRA says '', " We do not have anyone to talk to competent of the facts to speak with '' and even hung up on once I asked how to access the recordings of the call, all very discouraging practices.
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft, I have reached out each respective creditor and as of yet they have not removed these accounts from my credit, please reach out to them on my behalf and resolve this issue. The accounts in question are as follows : XXXX XXXX- XXXX {$920.00} XXXX XXXX XXXX {$0.00} XXXX- XXXX {$940.00} XXXX- XXXX {$2700.00} XXXX XXXX {$4700.00} ( still on XXXX  ) XXXX  XXXX {$4700.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, my account is being reported incorrectly. There are open and closed accounts thats showing a balance According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting the updates, below will be the list of accounts thats needs to be removed, XXXX XXXXXXXX XXXX/Equifax/TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX  XXXX XXXX ( Account # XXXX ), has violated my rights. 

Account Name : XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have 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: Debt collection

posted debt on to all credit bureaus, without providing me with the original documentation. The Fair credit act allows me to request the documentation to verify and validate. I requested this at the beginning of XXXX 2022, which is over the 30 day mark. I have rights that I have not received with this issue. Also, in California any credit related debt after 3 years can not be collected it is a law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Product: Debt collection

I filed two complaints with CFPB # XXXX & XXXX in regards to a XXXX debt that did not belong to me. The collection agency XXXX XXXX and/or XXXX XXXX company could not validate the debt ; or provide the documentation I requested when I mailed a certified letter and disputed this debt. In turn the debts were removed from my XXXX credit report on XX/XX/2020 & removed from my XXXX credit report on XX/XX/2020. 

The XXXX debt has now reappeared on my credit report from a new collection agency named " Allied Collection Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. '' Which should have never re-reported back onto my XXXX and XXXX   credit reports with a new collection agency. XXXX failed to validate the debt and by law they have to remove this account and no longer report ; by law they can not keep collecting on a debt that DOES NOT belong to me.
Product: Credit card

Care Credit changed my card to a XXXX XXXX  and ever since then I have had to call in with each transaction to get my promotion of so many months same as cash. Merchants can not seem to do this from their side any more. I called into care credit and their XXXX  have messed up my account, some things have been charged XXXX  and some payments have been retracted from merchants that were previously paid. My over all balance remains incorrect and there is XXXX charge that is on there XXXX and shouldnt be. I disputed charges electronically and they show resolved but are not resolved and no explanation has been sent. I also submitted disputes via fax and have received no response. Ive tried calling and that only makes things worse and I can not get transferred to anyone that can help me. Its seems to be an over seas call center that does not understand how the promotion process or card works. I have had this account XXXX years and NEVER had an issue until I got this XXXX  XXXX version with a chip from Care Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Canceled debts are considered income per the IRS and can not be reported. 

Publication 4681 ( 2022 ), Canceled Debts