23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX, I scheduled payments of {$1200.00} and {$1200.00} respectively, to cover my XX/XX/XXXX mortgage payment. Without any attempt to contact me beforehand, my mortgage company mailed the XX/XX/XXXX payment back to me using snail mail with a letter stating that they were unable to accept the payment because they considered it a partial payment. By the time that I received the letter and XX/XX/XXXX check in the mail, and was informed of this policy, I had already scheduled my XX/XX/XXXX, payment and when I looked at my account, that payment was showing up in a suspended status. I contacted the mortgage company immediately and was encouraged by a supervisor ( XXXX ) that if I scheduled the payment again it would post in time to merge with the now pending suspended XX/XX/XXXX payment and result in a full payment being posted to my account. In response, I promptly re-scheduled the payment of XXXX. However, when I called back the next week for an update, I was informed that instead of merging the funds, as the supervisor had stated would occur, the XX/XX/XXXX check had now been sent to me using snail mail again and the new payment was now pending. At that time, I was encouraged by another representative to reschedule the payment in order to have them merge. This cycle has now occurred a total of three times. Each time, I have been encouraged by a customer service representative or supervisor assisting me, that when the other payment is received it can be merged with the suspended payment and credited to my account. Yet, instead of this happening as promised, my mortgage company is sending the pending payment back to me. To date now because of this, my XX/XX/XXXX payment has not been credited despite multiple efforts. Further, in spite of multiple assurances by multiple supervisors and representatives to override this automated process, nothing is being done on their end to remedy the situation and I am apparently being left completely at the hands of a failing automated process. As of today XX/XX/XXXX, I have been told by yet another supervisor that I will need to try again. I feel as if the mortgage company is forcing me into default on my mortgage payment which has never been late and I need real assistance in getting this issue resolved before XX/XX/XXXX when my payment will be considered late and in default. Please help me.
Product: Checking or savings account

I had wrote a check for XXXX for labor through my business account on XX/XX/2020. The check had been cleared on XX/XX/2020. The person to whom I had written the check originally, used the phone app to cash it then threw the check away. On XX/XX/2020 the same check had been cashed again with a forged signature in the endorsement box on back then in writing below signed over to another name with the last name scratched out and what appears to be a social security number beside it. I had filed a police report and signed all paperwork necessary for the chase bank in XXXX Ohio. Everyone agrees its definitely forgery. My problem is they are telling me to wait up to 60 days before I can see the monies returned. This is most certainly the banks problem for allowing a check to be cashed twice not to mention the endorsement was very sketchy and the check was 3 months old.
Product: Debt collection

EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have several inaccurate addresses under personal information on my Experian report. 15 U.S. Code 1681- Congressional findings and statement of purpose states, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

I emailed the company Mercantile Adjustment Bureau a certified debt validation letter XX/XX/2016 to verify a debt they claim I owe them. I did not receive any form of communication from the company. I asked for proof none was given. I sent another certified document XX/XX/2016 informing the company that the violated my request and request that they remove the account withon 10 days because they violated FDCPA the acoount still has no been removed and it has not been verified with the company.
Product: Credit reporting

I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

Back in XX/XX/XXXX I was enrolled in auto pay for the car XXXX XXXX XXXX I accidently paid online and they also took their auto pay which I understand. I caught it and to stop that from happening again I stopped auto pay and decided to start using my own bank bill pay. Then on XX/XX/XXXX they got in my bank and took a payment illegally. Then they went in on the fourth and took another payment but they refunded that one but they still illegally got into my bank account. I called on XX/XX/XXXX and was told they would send a check refund. I asked why they were in my bank account in the first place. One person said they updated their system and it was an accident, another person said I went on a third party site and made a payment. I waited for the check and called again on XX/XX/XXXX. That man said they don't send checks and that they already refunded and to call my bank. My bank said there was no refund. Then my own bank sent their auto pay and they got a third payment. I ended up with two NSF fees but my bank removed one. Citizen bank XXXX XXXX XXXX loan bank ) kept telling me they already refunded. I disputed, took screen shots and they still lied. In the meantime my principle balance keeps going down and they say I don't owe for three months so that proves right there that they kept my money. I was told yesterday XX/XX/XXXX that they refunded on the XXXX, then they changed it to the XXXX and XXXX. Then on XX/XX/XXXX I got a letter in the mail from them thanking me for my payment. I've been asking for my money back since XXXX. They keep making up new lies and this has gone all the way to the chairman office. Now they say they fed ex my check when on the XXXX of XXXX I was told they don't do refund checks. They just KEEP LYING. they have taken 3 payments this month and refunded only one and caused me to go in the negatives. If they don't have my money how come my next payment isn't due until XXXX. Also I asked why I didn't start getting statements until XX/XX/XXXX and I was told that they only send statements to people not enrolled in auto pay and as you can see, my first statement started XX/XX/XXXX when I canceled auto pay in XX/XX/XXXX. Also, when I first checked my account before my fist phone call there wasn't even a bank assigned in their system so my bank, XXXX XXXX  days they were going of the account number and routing number from the checks my bank was sending them
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I requested that a fraudulent ACH transfer in the amount of XXXX be cancelled and returned to my account. These funds were destined for an XXXX account to pay for my Gestational XXXX for our surrogacy journey. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has been defrauding Intended Parents, Given the XXXX was done less than XXXX weeks ago and Bank of America refused to even reach out to the other bank ( XXXX  XXXX ) that had already flagged the account as fraud until I waited for 4 days for them to check their own processes to ensure that they did nothing wrong. Bank of America should have immediately reached out to XXXX XXXX and they would have found the accounts flagged as fraudulent and the money would be returned. The supervisor confirmed that they would not do this until I signed a form stating it wasn't their fault. When prompted about their refusal to follow XXXX guidelines until I signed that they weren't liable was equivalent to coercion the supervisor confirmed and acknowledged. I just want my money to pay my surrogate back and Bank of America has so far failed to protect me as a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to file a new dispute on my XXXX  XXXX bankruptcy. My last dispute was one year ago. I would like the item removed as it has been 7 years since discharge. XXXX has deleted the item and I think all three bureaus should be on the same page. 7 years is standard. I am trying to purchase a home.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the persistent challenges I have faced in attempting to remove fraudulent items from my credit report. Despite making several concerted efforts, these fraudulent entries continue to tarnish my credit history, negatively affecting my financial standing and causing undue stress. 

I first identified the fraudulent items on my credit report. Since then, I have diligently followed the established dispute resolution procedures, making numerous attempts to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional distress. I am formally requesting a thorough and immediate investigation into the fraudulent items on my credit report. 

I request the following actions : A comprehensive review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXXXXXX XXXX XXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. A Class Action Lawsuit was determined in this matter and at the moment I Demand for the attached accounts to be removed immediately. The credit reporting agencies continue to violate my consumer protection rights. And Im submitting Proof for my claim. See attached ;
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX XXXX Reference number : XXXX
Product: Payday loan, title loan, or personal loan

Made the mistake of contacting this company back in XX/XX/2019 for a short term loan of XXXX. They started taking XXXX a month out of my account. I contacted them in XXXX and was given a payoff of {$830.00}. I had already paid them {$1300.00}. I told them that I was revoking the authorization to take any more money out of my account. I then requested a copy of my agreement which took over a week to get. I finally received the copy of my agreement and it showed the interest rate is 749 % which is illegal in our state. So if I continued to make payments of the regular amount, I would owe XXXX I call them and get no response. I now understand this is illegal and doing even more research found that this company is not licensed to do business in our state of Ohio. I am a mother who is struggling to finance XXXX for a son who is caught up in the XXXX crisis. 

I tried to upload documents and it would not load. If I can email this please let me know. Thank you.
Product: Credit reporting or other personal consumer reports

it appears that the accounts which are in collections now were not made with my consent and are not mine please remove in accordancee with fcra and fdca law
Product: Credit reporting or other personal consumer reports

Litigation in process act immediately you are in violation. Please see attached documents
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Dispute Information XXXXenter Re : Notice of Dispute Dear ( credit bureau ) , I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumerfilein accordance with 15 USC 1681i ( a ) ( XXXX ) ( A ) : XXXX - Account # XXXX Delete this account because you are inaccurately reporting - Date of last activity ( XXXX ) - Payments dates. 

XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting - Date opened ( XXXX ) and payments. 

You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to in adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

IM A CONSUMER OF THE UNITED STATES AND TROMBERG MORRIS POULIN PLLC IS A DEBT COLLECTOR ATTEMTIMG TO COLLECT A DEBT WHICH FALLS UNDER THE FDCPA. 
This collection company is trying to collect an alleged debt caused by identity theft, I have try to request for validation, ( Tromberg Morris Poulin PLLC or XXXX XXXX XXXX ) did NOT Provide me with what was requested by federal law, There claim of investigation of this matter is hearsay and you ( Tromberg Morris Poulin PLLC and XXXX XXXX ) are in DEFAULT of my affidavit of Truth and Cease and Desist. ( Please complete the full cease and desist requested information ) letter Attached. 
You ( Tromberg Morris Poulin PLLC ) a third party debt Collector, is in multiple violations of the FDCPA. Your sue against me regarding this alleged debt obligation are in direct violation 15 USC 1692c ( 13 ) " False '' representation or implication that documents are legal process '' As you Tromberg Morris/ Povin , PLLC are also in violation of 15 USC 1692c ( 3 ) ''The false representation or implication that any individual is an attorney ''. 
I will not stop til I get my remedy, Next complaint to the XXXX and the General Attorney
Product: Mortgage

XX/XX/XXXX, XXXX-Modification FHA Trial Agreement, 1st payment XX/XX/2020 {$810.00} 2nd payment XX/XX/2020 {$810.00} 3rd payment XX/XX/2020 {$810.00} 4th payment XX/XX/2020 {$810.00} In which, I paid these as scheduled. I was told these were only the trail peroid payments and that the Modification actually began in XX/XX/2020, which was very confusing. Sometime between XXXX XXXX I contacted Mr. Cooper I feel was misinformed by one of the representatives from Mr. Cooper about the Forbearance for COVID plan. I did the Forbearance plan and wished the representative would have taken the time to review my loan and noticed I had a pending loan modification. Had someone explained how canceling the loan modification would have a huge impact on my loan, I would have never agreed on the forbearance. It has been such a challenge since these changes took place and it will show if you review my notes. It made it appear as if I selected to cancel the loan modification and that was not what I requested. I replied on the professional option from the representative from Mr. Cooper to assist me, with the best option for me. I have been in my home for almost 20 years and it is the only thing my daughter and I have.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of ( private ) and credit card account opened XXXXXXXX XXXX on XX/XX/XXXX account number ( private ) appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am demanding the complete summary of the investigation showing the verification and updated information validating that these fraudulent accounts belonging to me. This letter is a formal request for the description of the procedure used to verify the accuracy and completeness of the attached previously disputed items. The attached items have been disputed with the creditor. Please include the business name, address, and the telephone number of any furnisher of information contacted in this reinvestigation in compliance with the Fair Credit Reporting Act section 611 ( a ) ( 7 ). I must have the information requested within 30 days of your receipt of this request. It is at this time I will point out XXXX XXXX Transunion, XXXX XXXX XXXX and XXXX XXXX XXXX, et al., the courts rules each and every time that the CRA couldnt merely parrot information from creditors and the collection agencies ... that they have to conduct an independent and reasonable investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. Sending out a generic form does not contain my reason for the dispute is not reasonable. It is my hope that you will initiate an investigation regarding my disputes without any legal action. Each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.