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

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX {$900.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I created an account on Blockchain.con, and I bought XXXX XXXX  from someone I know, and I actually received the amount on my account, but after midnight, the page that was open on my account was closed, then the login page appeared to me, and when I was trying to log in, the password phrase appears incorrect, although I am sure it is correct, and I have tried to contact the company since then, but to no avail, only a robot talks to me that it needs a recovery phrase consisting of twelve words, I only have six words out of twelve, and that is because I thought that there are only six because to get the other six you must press a button that leads you to the rest of the words, and recently I read on their website that it is possible to recover the amounts in the Defi account. 
But they never communicate please help me and I can send you screenshots and anything to prove what happened to me As for the correspondence, they say that the problem is solved, but in reality it is just a robot, and every time the problem is considered and then solved. I have attached screenshots of the correspondence.
Product: Credit reporting or other personal consumer reports

XXXX has placed an account on my credit report stating that I owe them almost XXXX and I do not. They refused to service their equipment in 2023 and then placed monies on my account stating that I did not pay a bill. The equipment went out and they did not fix it. I called and sent their letter ( that they sent me ) stating that I do not owe them any money and they still will not take the amount off by credit report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following has violated my rights. 

The XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have a 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 consent
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX {$3700.00} & XXXX XXXX XXXX XXXX {$910.00} was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in 60-90 days to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, u
nless 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. 


XXXX XXXX XXXX {$3700.00} & XXXX XXXX XXXX XXXX {$910.00} Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX I received a credit score notification stating my card had been charged off and my credit score decreased. I had spoken to COMENITY bank regarding my account for Victoria 's Secret and XXXX stating that I was out of work due to COVID, and they gave me time off from payments back in XXXX of XXXX I was working with XXXX XXXX  at the time, and Comenity said they would give me a deferment, but they charged off my accounts before that deferment had passed. Ever since then, I have been receiving calls everyday, sometimes up to five times, asking for more money. This month they expect me to pay twice, and are threatening legal action, but i TOLD XXXX XXXX that I am out of work. and now I am receiving threatening calls stating that my account will be escalated, but they won't tell me what that means. 
I have told them repeatedly that I havent found a job yet but XXXX XXXX, the person " assigned " to me, won't leave me alone. She tried to tell me i HAD TO MAke automatic payments, that that is the only method of payment they will accept, but I never gave her my account information. And so today, XX/XX/XXXX, I see a pending charge from them for XXXX. I agreed to pay off but I am going broke and I have tried repeatedly to get them to just wait and they won't.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security. 

Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. 

In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here. 

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. 

Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.
Product: Debt collection

FABO reinserted a collection that was discharged in BK years ago. They even reported it as a XXXX balance.
Product: Mortgage

Seterus, Inc. has had my loan for the past two years. They have not XXXX treated me like I was a valued customer, just another number, a nuisance, gave me only the information that I could think to ask for at the time, and never let me speak to management when I was dissatisfied. They treat me like a XXXX citizen, payoff requests take two weeks, and I have been trying to refinance since XXXX of 2014. They did not disclose that I showed delinquency, which delayed my refinance, they made it impossible for me to get a simple process completed without jumping through hoop after hoop.
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 account vulnerable and unprotected.

Furthermore, their dispute resolution procer 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 XXXX  financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX contacted me 4 times on Wednesday, XX/XX/XXXX. They left a voicemail. 
I called them back around XXXX. Representative wanted to verify my address and phone number and told me another company will be giving me a call. 

Yesterday, XX/XX/XXXX, they called me 4 times ( XXXX, XXXX, XXXX, XXXX ) and they left me 4 voicemails. Same voice, same representative I spoke to on Wednesday. 

Today, XX/XX/XXXX, I received 4 calls from them and voicemails ( XXXX, XXXX, XXXX, XXXX ) Every time I call back, its the same female representative with the horse voice asking to verify the same information. She seems to not know or remember that we already spoke on Wednesday the XXXX and she is very aware that i already have a payment plan scheduled for every XXXX of the month. 

They've called my job and threatened to garnish my pay. They also tried to get info from the HR representative like my ss # and date of birth. 

All these calls are unnecessary. I have not missed a scheduled payment.
Product: Mortgage

My husband and I applied for and completed an application for a refinance mortgage with Amerisave on XXXX XXXX, 2020. We paid a {$500.00} application fee on the same day. 
Things were moving along at a slow pace. 
Finally the process was complete and we were told our closing date would be XXXX XXXX, 2020. I contacted our mortgage broker that we were dealing with on XX/XX/2020 to first let him know that the loan disclosure numbers were incorrect and also to inquire how the closing process would work and where it would actually take place. He was very evasive and said he did not have an answer. He said I was going to be contacted by someone from his company to set that up. I was not comfortable with his response and asked to speak to a supervisor and he told me he did not have a number to give me. he then told me he would be off the next day for XXXX and would not be back until Monday XXXX XXXX, 2020. He told me he had alot of clients and I need to be patient. I asked him how he could give me closing date with no details. I then tried to call customer service at amerisave and spoke to girl who told me she would forward my compalint to the correct parties. I then received a call from XXXX at Amerisave on XXXX XXXX2020 at XXXXXXXX XXXX with my corrected loan disclosure. She gave a new closing date of XXXX XXXX, 2020 and would get back to me with the details of closing by XXXX XXXX, 2020. I am now not able to reach my loan officer or XXXX  or anyone at Amerisave. I am very concerned that I have been scammed and they have all my and my husband 's personal information. 
I have all documents and correspondences with Amerisave
Product: Debt collection

On XX/XX/2022 I received a letter by fed ex from Midland Credit Management , Inc . 
Stating I owe an alleged debt to there company of XXXX. 
The company XXXX are threatening to forward this and all my information to an attorney in my state for possible litigation, if I don't respond or pay this alleged debt. I am currently sending the company a proof of validation, cease and desist, requested information and credit/debt collector declaration.
Product: Debt collection

XXXX XXXX from Douglas, Knights & Associates sent me a letter on XX/XX/XXXX informing me of a claim for XXXX that they were trying to collect for XXXX involving an accident on XX/XX/XXXX that I wasn't involved in, on a vehicle not insured by me or registered to me. 

In addition, On XX/XX/XXXX, XXXX sent an email to my ex-husband and attached a suspension notice that she filed with the DMV to have my license suspended. He forwarded me the email but not the notice. 

On XX/XX/XXXX, I called XXXX XXXX to get a better understanding of the claim and she proceeded to yell at me saying she hated people like me who shirked their responsibility and didn't pay their debts. She said they were a law office and that they would have my driver 's license suspended if I didn't pay. I said I only wanted to get information and she said if I wanted information I should hire a lawyer. I asked to speak with her supervisor and she hung up on me. 

She continued to forward our correspondence to my ex-husband who also cooperated by threatening me to get me to pay this claim. On XX/XX/XXXX I sent XXXX a letter telling her to stop contacting me until she had proof that I was responsible for the debt. 

On XX/XX/XXXX, My ex-husband informed me I would be receiving an email from XXXX telling me my license would be suspended and he attached an email from XXXX with a letter from her to the DMV requesting that my license be suspended. I received the same email from XXXX and asked her why she was forwarding our correspondence to my ex-husband. She said I should have my attorney contact her. I told her I wasn't retaining an attorney and wanted to know why she was sharing our communication with my ex-husband, no reply. 

The letter sent to DMV misrepresented the claim and said that I was driving an uninsured vehicle. Again, I was not driving the vehicle and wasn't anywhere near the accident at the time it occurred. I asked them to please correct that statement with the DMV and they didn't respond.
Product: Mortgage

There have been several attempts to foreclose in my home without success because of fraud and forgeries. 
XXXX XXXX Circuit Case # XXXX- the plaintiff dismissed the case because of fraud XXXX XXXX Circuit Case # XXXX- Declaratory Case, the judge denied Ditech/ Greentree the mortgage servicer equitable title, equitable mortgage and the ability to enforce the note. 

XXXX XXXX Circuit Case # XXXX even though the plaintiff Ditech knew there was no equitable title, mortgage & no note to enforce a foreclosure was filed again. After mediation the judge told the plaintiff to close the case. 
Ditech is fraudulently selling the mortgage serving to XXXX XXXX XXXX. The mortgage accounts have been removed from my credit report and Ditech told me to contact the title insurance company.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I was affected by Hurricane Harvey and was approved for a forebearance plan on XXXX-XXXX-17 with Caliber Home Loans that would allow me to skip my mortgage of XXXX for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The forebearnace plan was offered to me, and since I needed to make home repairs, I took advantage of it since I was told my balance would be added to back of the loan and that my payments would resume as normal in XX/XX/XXXX. Today, I fear Ive been scammed. Ive received bills and a certified letter stating Im at risk of foreclosure and the total amount is due. Yesterday I spoke with XXXX in customer service and was told that I could avoid foreclosure my remodifyinh My loan and that it was already going through that automatic process which could result in higher interest rate ( my current rate is 3.625 and he stated it may go up to 4 percent or more. Caliber has taken advantage of hurricane Harvey victims by promoting payment plans via get help hooks on their website and yet developing a scheme that is only benefiting them, and will only hurt their clients. Please help.
Product: Mortgage

We have been making payments though  Ocwen ' s website. When we submitted the request for our  XXXX  payment, we received an email fro m Ocwen which states the following : Thank you again for choosing to participate in Ocwens Automatic Clearing House (  ACH ) program to have your payments automatically withdrawn from your bank account. Based upon your request and approval, we have enrolled you in this free service and your first payment withdrawal date is scheduled for  XXXX / XXXX /  XXXX  .     We did not request to be enrolled in the  Automatic Clearing House program. I called our relationship manager at Ocwen t o request to have us removed from the program. He just told me to cancel the payment. I am not sure if doing this will withdraw me from the ACH Program.
Product: Debt collection

On XX/XX/2024 they tried to serve me papers at XXXX XXXX. Knocking loudly. I didnt answer because I didnt know who it was. I saw her take a picture of my residence so there should be proof she knocked at that time. Which Im told is not allowed. I know it was her because when I did get served it was the same women.
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer im am opting out of any an all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 use 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED HARD INQUIRIES TO CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I was contacted through email by TRUEACCORD an affiliate of XXXX XXXX XXXX about a debt that doesn't belong to me. I have previously filed complaints against XXXX XXXX XXXX for Improper use of credit reports and reporting and it was removed from my credit report they are still attempting to collect through an affiliate I have no written or oral contract with this company.
Product: Checking or savings account

My account has a hold on it since the XXXX of XXXX, 3 days after i opened the account on the XXXX. 

They are asking me to step into a bank for this but thats simply not an optionXXXX XXXX XXXX XXXX XXXX XXXX  i hardly leave my home. 

They told me on the phone they wont close my account because of this hold, whatever the reason im not sure. 

Id like my account closed and the funds returned to the original funding method used or a check mailed to me. This has been a terrible experience for me
Product: Credit card or prepaid card

We need to get a prepaid credit card or reloadable card for our son who is XXXX but is living with another family member due to playing hockey. PNC does not offer either for him because he's XXXX. When I tried to sign up for " XXXX '', PNC does not allow bank transfers to this card. 
I have never had a bank be so difficult to work with ever.
Product: Debt collection

I am receiving threatening phone calls about a debt that is the result of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I've requested this lender to stop reapplying this debt on my credit, it's over 10 years old and was declared in a bankruptcy and dismissed. They continue to put it on my report by changing the date that the last payment was made, and keep running my credit with a hard inquire of my credit 2 or 3 times a year on all 3 agencies. They have done this several years in a row. They updated the report as updated on XX/XX/2023 when nothing has been done on this account other than a dismissed bankruptcy in XXXX of XXXX  and they were notified in XX/XX/2023, after notice they reapplied the debt on my report and did a hard inquiry on my credit with all 3 major credit agencies.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

After I reached out for the 2nd time in less than 30 days to TD, ( the 1st email was ignored by XXXX XXXX ), I was told in response to the 2nd email, that TD needs an address verification on my property for my loan modification. Then claimed they tried to contact me by phone but my phone records/bills show that they never called or left a message. They also could have emailed or mailed a letter to let me know that an address verification was holding up the process but they never did. I spent an hour plus on the phone with TD on XX/XX/21 and was transferred three times because no one knew what an address verification was. 
I still have no idea if this condition has been cleared or if TD needs anything else to complete the loan modification that has been taking months with seemingly no end in sight.
Product: Credit card

On XX/XX/XXXX, a XXXX XXXX XXXX credit card was opened in a XXXX, Texas location without my knowledge or consent. The day the card was opened a purchase was mad for painting supplies for a total of {$370.00}. Once I received a credit card in the mail, I called XXXX XXXX to notify them that I had not applied for a card and found out there was a purchase the day of the application. I placed an initial fraud claims dispute with XXXX Bank and they declined my initial claim on XX/XX/XXXX, due to the fact that all application data match and the location was only XXXX miles from my home address. 

Once I received notification the claim was declined, I called back to let them know there was a problem and asked them to reconsider the claim. On XX/XX/XXXX I was notified that my reconsideration claim was declined for the same reason as the initial claim was declined. On XX/XX/XXXX I called to make a minimum payment for XXXX and XXXX to limit credit card impacts until I am able to resolve this issue with XXXX XXXX. 

It feels to me that XXXX does not want to take the time to review my claim. If they could access the video of who applied for this card or review who made the purchase they would clearly see it was not me.