23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

WFHM is conducting business as usual, once again laughing in the face of the CFPB and customer. 

As you recall XXXX XXXX did not recall the name of the settlement company, their telephone number and only had an email address which was confidential and not provided when I requested. 

It was never mentioned to Pay Off the Debt. It was stated that WFHM do the right thing by its customer, settlement was even addressed. XXXX XXXX pretended not to know what the situation was, avoided this main issue, and provided 50 plus pages to do so. 

Today XXXX XXXX vindictively and maliciously trying to be hateful and hurtful discloses what has been the truth all along? 

Had XXXX XXXX came forward with this Pay Off the Debt, information there would have been no foreclosure. 

In addition, XXXX XXXX is now disclosing that the settlement was in fact enough to Pay Off the Debt, pay off the mortgage. The million dollar question is why did WFHM not Pay Off the Debt?

Why did WFHM not disclose this Pay Off the Debt information before the foreclosure took place? I had no idea it would have paid off my mortgage. Isnt that what would have happened? While I was begging to have the foreclosure put on hold until WFHM make Good their mistake, error and bad treatment of a customer? 

XXXX XXXX even called me today to say I have a solution, and tell me they WFHM are not going to Pay Off the Debt?

An answer needs to come forth as to why WFHM thinks it is OK to conduct business this way? This answer needs to come from XXXX XXXX and XXXX XXXX XXXX. In addition, why was this not done during your first thorough investigation and fifty plus pages?
Product: Credit reporting or other personal consumer reports

Please help and assist me with having the credit Bureau correct this inaccurate information, I sent this letter to them and they did not respond " Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX XX/XX/2023 Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/2023 & XX/XX/2023 you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/2023 & XX/XX/2023 Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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.
Product: Debt collection

On XXXX XXXX, 2016 XXXX XXXX XXXX XXXX sued me in XXXX XXXX for the State of Arizona in & for the County of XXXX -- XXXX XXXX for {$11000.00} which was the amount credited to my husband 's XXXX XXXX XXXX XXXX credit card as result of a move of some of our possessions from XXXX XXXX XXXX to XXXX AZ in which some possessions were stolen or lost, and others were damaged which XXXX refused to reimburse my husband for despite insurance coverage from XXXX. Attached is a copy of the XXXX statement showing my husband, XXXX XXXX XXXX, received the credit after providing XXXX with evidence of the items stolen/lost and damaged. My husband was the XXXX to XXXX. Attached is correspondence with XXXX XXXX XXXX and a listing of theft/loss and damage to various possessions moved. I was only a signatory on his XXXX account. Despite the fact that XXXX accepted my husband 's proof over XXXX 's XXXX has sued me and refused to turn over any correspondence between XXXX and XXXX. I need assistence because hiring an attorney would me a large portion if not all of the XXXX recovery.
Product: Checking or savings account

I could not log in to my account. When I tried to change my password I got a notification that I couldnt log in and my access was blocked. When I called, no one would give me an answer as to why my account was closed. They read off a script and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX authorizing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon examination of my credit report I found an item listed to  Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on  XXXX   XXXX  requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on  XXXX   XXXX ,  2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.
Product: Debt collection

I keep getting multiple phone calls a day from this company despite not having any contracts or anything with them. They keep calling in reference to a debt that for one isnt owed to them and that I have already paid! This has already cleared my account and I have even told them that its been paid but yet they keep contacting me and threatening to add this to my credit report. Well if they do I will have no choice but to exercise my consumer rights and take legal action against them! This would be the FOURTH FRAUDULENT time theyve done this to me, Ive had to report them multiple times earlier this year!
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in 2 months to correct it. Finally they corrected it with XXXX, but XXXX still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY CREDIT SCORE. Now the other XXXX agencies are following suit ( XXXX and Equifax ). I have worked HARD for my score to be in the XXXX. THIS HAS TO BE CORRECTED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} - Account # : XXXX XXXX XXXXXXXX XXXX  - Balance : {$47000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXXXXXX XXXX XXXX XXXX, credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FIRST HELP, RESIDENT VERIFY Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To Whom It May Concern, This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification. 
I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : Details of the debt, specifying the amount owed. 
Explanation and breakdown of how the claimed amount was calculated. 
Copies of any agreements demonstrating my commitment to pay. 
Verification or a copy of any applicable judgment. 
Identification of the original creditor. 
Confirmation that the statute of limitations has not expired. 
Proof of your license to collect in my state. 
Your license numbers and registered agent or agent of service. 
If your offices have reported validated information to any major credit bureaus ( XXXX, Experian, or XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character.

I request a minimum of 30 days to investigate the provided information. During this validation period, all collection activities must cease.

Any detrimental action to my credit reports may result in legal action. 
If your company fails to respond to this validation request within 30 days, I demand the deletion of all references to this account from my credit report. A copy of this deletion should be sent to all three major credit bureaus immediately. 
I also request no telephone contact at my home or place of employment. Any attempts, including computer-generated calls or correspondence to third parties, will be considered harassment, leading to legal action. Future communications must be in writing and sent via USPS to the address in this letter.

Ensure your records are accurate before legal action becomes necessary. This letter aims to correct records for the purpose of validation. 
Best regards, XXXX XXXX
Product: Credit card

). My work requires credit verification at times to gain employment for security reasons. The law at the time of XXXX to XXXX allowed any potential employer to conduct credit reports, and each time this occurrs the possibility of my credit score being affected adversely. So, I knew this was vital to my future success and would hurt my personal financial productivity. My creditworthiness was placed in extra focus ( XXXX ) because of the Small Business Administration ( SBA ) services I was using. I got my credit report annually. Especially in XXXX and XXXX to disprove the claim made by COMPASS BANK - CREDIT CARD XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX, partial account number XXXX ...., dated XXXX of 30-day late payment made via a bankdraft. I was told there is no proof of payment, the mark on my credit report will not be removed, and file a complaint. 
In the upload your CFPB service provides. I have documents of this matter to you for the years XXXX to XXXX in chorological order. You will find all proof of payments via the Federal Reserve Bank Check Image Retrieval showing when the funds arrived at BBVA Compass. Some of them are stamped 'VOID '. Why was n't the Credit Card ACT followed by BBVA in this matter? I would like to get back the money charged to me for late fees during this time. In XXXX XXXX I inquired about this account concerning an error on my bill. BBVA Compass Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by BBVA, the XXXX Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the XXXX Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law.
Product: Mortgage

I had a really bad experience dealing with citibank mortgage department. They gave me a pre approval for a $ XXXX loan based on all the documentation that they asked for. And based on that I went ahead on a contract for a property in XXXX. Nothing changed at my end, all the docs and financial situation remained exactly the same as it was at the time of approval. During the approval time, they made me spend {$1300.00} USD on appraisal process, stating clearly that it will be returned back. And when the appraisal came back fine, they said my financial situation is not good for giving a loan. When I asked them what has changed since the time I took pre approval, they said nothing. Now for last 2 days, I am asking them to credit back the money which they charged and they are not communicating with me. Absolutely nothing.
Product: Mortgage

I hope this message finds you well. I recently noticed that my mortgage payment has increased by {$210.00}. However, when I reviewed the escrow analysis, it showed a shortage of XXXX, which seems odd since I have been making all my monthly payments on time. 

Additionally, I wanted to mention that I am currently unable to afford the new payment. I'm feeling overwhelmed and it seems like no one is providing the necessary help. 

I kindly request a detailed breakdown of the extra charges and a clear explanation of where they are coming from. It's important for me to have accurate information to understand this discrepancy. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution that provides clarity. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an credit alert from Experian that a hard inquiry was performed by XXXX XXXX XXXX XXXX on or about XX/XX/year>. I inquired about this with XXXX XXXX XXXX XXXX, but to no avail, I received the run around and denials of course. This is now on my credit report and I want it removed. This unauthorized inquiry has lowered my credit score unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution 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 ( XXXX XXXXXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution 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: Money transfer, virtual currency, or money service

I applied for an account at Square and they are stating they ' can not verify my identity ' which makes absolutely no sense. I have bank accounts, credit cards, pay taxes etc and I have documentation to prove all of this. As well as a licensed LLC in my name with an EIN tied to my Social Security number.
Product: Student loan

I am a co-signer to a private student loan from Navient. The loan was paid in full in XXXX 2016. It still shows that the account is n't paid on my credit reports. I disputed the reporting via XXXX. Navient verified that the balance is correct on my credit report. I have a letter stating that the loan is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I did not authorize.
Product: Checking or savings account

Approximately a month ago someone broke into our checking account as well as our phones. There were numerous fraud charges from XXXX XXXX which were not our. We have never used XXXX XXXX. They also attempted to break into my email account. I called chase bank and filed a claim. The sums were reversed until today. It seems that XXXX XXXX filed a counter claim even through the address they showed to XXXX was not our address. XXXX sided with XXXX XXXX and now I'm going to be out {$1200.00} for someone else fraudulent charges. I want to press charges against Chase Bank and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXXXXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.