23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife has been an authorized person on the mortgage for a very long time We have been attempting to get a loan modification and all of the assistance available for home retention. However this process hasn't been the easiest to follow through with due to the fact that Bank of America is inconsistent in communication, there is always an excuse or upon the state of almost completing the modification process there's always things missing even though documentation has been sent more ways than one. On top of that when my wife has corresponded on my behalf due to my absence with the military, assistance hasn't been accurately provided nor have viable solutions been obtained because there isn't consistent communication on behalf of Bank of America. We have never wanted to lose our home. But there are solutions available to aid in keeping the home but, no one has bothered to follow through with my wife which has placed us in an incredibly hard spot.
Product: Credit reporting or other personal consumer reports

This matter was taken to court and on XX/XX/ a Motion to set aside default and Motion to dismiss on XX/XX/ was granted. So I want this matter off my record immediately please.
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 : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX of my collection accounts were reported XX/XX/XXXX. They are XXXX and XXXX. I found the balance is inaccurate and the timeframe for this item is over 7 years. So I disputed these items and requested Equifax to remove it permanently. 
Under Fcra law, after remaining in 7 years the collection should be removed from credit. I finanlly received their reponse that they will delete these items from my credit report XX/XX/XXXX these items were no longer on credit file. However, XX/XX/XXXX these items were reinserted without notifying me in 5 days This again violate the Fcra law. Morever, equifax re-age my account and make my collection stay up to more 7 years which XX/XX/XXXX. This is illegal and ruin my life.
Product: Mortgage

Refinanced loan and my loan was sold to American Pacific Mortgage. They have lost my payment checks and threatened to send me to collections after I sent proof of payment from my bank. They will not correct the issue and are still threatening to send us to collections for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

the statue of limitations in texas is XXXX years XXXX XXXX  account number XXXX and XXXX XXXX  XXXX is over XXXX years old. this violates my rights.
Product: Debt collection

I spoke to XXXX XXXX with Diversified Consultants on XX/XX/XXXX. I contacted the company concerning a payment for an account with XXXX XXXX XXXX and he informed me that I have an account with XXXX XXXX for {$250.00} as well. I asked when the XXXX XXXX account was placed with them and he stated it was placed with them on XX/XX/XXXX which I found disturbing because when I communicated with Diversified on XX/XX/XXXX and spoke with XXXX concerning the XXXX XXXX account I was not told that I had an account with XXXX XXXX as well and they never sent a notice to my address in which they had on file at the time. I knew immediately that the XXXX account was one that I disputed with XXXX XXXX on XX/XX/XXXX. I asked XXXX to contact the original creditor for a breakdown of what the {$250.00} consisted of and the only thing they would provide to me was a copy of the last bill that XXXX XXXX sent to me which did not break down what I was being charged for. XXXX XXXX came to the conclusion that they could not provide me what I asked for so they canceled the account and I was under the impression that this was resolved. Please see attachments for my communications with XXXX XXXX. After I attempted to explain the situation to XXXX and informed him that I was disputing the debt he interrupted me and attempted to offer a settlement of {$110.00} that I explained to him I do n't owe. So I reached out to the Original creditor on XX/XX/XXXX ( XXXX XXXX ) and spoke with XXXX ( who stated she was located in a call center in the XXXX area ) at XXXX. I explained the situation to her and she came to the conclusion that I in fact DO NOT OWE XXXX XXXX. XXXX explained to me that she adjusted the account to a {$0.00} balance as of XX/XX/XXXX. My complaint is that Diversified Consultants is not trying to help me get this cleared, they only want to collect money that I do not owe. They need to contact their client and get this issued cleared. If my credit report is affected by this I will be taking this further than the CFPB. I already know Diversified Consultants is going to try and send me a copy of the last bill as proof that I owe so I 'm going to save them some time. I have attached a copy of XXXX 's validation ( which does n't provide proof of what the charge is for ) and communications with XXXX explaining to them and the CFPB XX/XX/XXXX what happened with XXXX XXXX. I suggest Diversified consultants speak with their client to confirm this debt is not owed.
Product: Credit reporting or other personal consumer reports

Submitted request for Consumer Disclosure Report from LexisNexis at XXXX XXXX XXXXXXXXlexisnexis.comXXXX  on XX/XX/year>. LexisNexis refused to comply. 

Instead of a disclosure I received a letter referring me back to the same site, instructing me to repeat exactly the same request at exactly the same page. Clearly LexisNexis has no intention of providing the disclosure
required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to dispute the information reported to my credit by XXXX XXXX XXXX. Please be advised that I was represented by U.S. Consumer Attorneys, P.A. in regards to my timeshare interest with XXXX XXXX XXXX. I obtained the representation of this firm on XX/XX/XXXX of 2016. The basis of my representation was that I was defrauded by XXXX XXXX XXXX and other affiliated entities when I purchased my timeshare from their company. My only recourse was to stop paying the fee while my attorney negotiated directly with the resort. Despite my attorney 's efforts and demands, XXXX XXXX XXXX and its subsidiaries continue to report adverse information to my credit. This complaint serves as my formal request that you mark the information reported to Experian credit by XXXX XXXX XXXX as disputed. XXXX will not issue a letter stating that my account was closed after negotiations. XXXX and XXXX do not show any delinquencies, but Experian continues to show delinquencies. This impacts my life greatly, and I have never been out of sorts with paying bills on time and fulfilling my obligations to any companies until I owned this timeshare. Experian will not remove or edit my credit report. XXXX is intentionally harming my credit as a result of my legal dispute. My XXXX account has been closed for several years.
Product: Student loan

My student loans are in the process of being discharged. I have approval with Sweet vs. Cardona and {$40000.00} has already been discharged. I have another {$20000.00} remaining. AS soon as the $ XXXX was removed they kicked me back into repayment and wont fix it. Per the terms of the agreement I am to be on administrative forbearance. I am getting the run around from Mohela and Dept of Education. I am now paying interest and have a payment due on loans that are being discharged. This need to be fixed. I clearly states that my loans are to remain in Forbearance until discharge. I provided Mohela copies of these documents in XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report and I have found fraudulent inquiries on my report. Please remove this fraudulent inquiries from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : 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: Credit card or prepaid card

Closed this card in XXXX. Then today ( XX/XX/XXXX ) I received a letter stating they closed my account due to issues with my credit. The account was supposed to already be closed. I looked at my credit through all three credit bureaus that I subscribe with to monitor and their letter was inaccurate and false the reasons given. My scores were higher than when approved for Care Credit card, my other card balances were lower and I do not own real estate that they say there is insufficient info for real estate owned. I have not had a balance with Care Credit in several months for which I paid off in full after every use.
Product: Credit card

After returning an Item costing {$80.00}, in XXXX 2016, which was not credited to my account until I called after having been charged a {$24.00} late fee for 2 months, they then told me they never recieve my online payment. Never notified me and continued to accrue late fees until XXXX. I spoke to the customer service cleared up the bill and all the late fees with my debit card and closed the account. They now bill me again for " late chages '' and when I called them they said they had the wrong Account number and never posted this new late fee to my checking account. The account I was assured was now at a XXXX balance or they would not have closed it. I do not trust giving them anymore of my credit information as they refuse to give me a statement of account in writing.
Product: Debt collection

After receiving notification of this debt I quickly asked for validation. I was not in agreement on the amount and the charges for the debt ( reasons stated below ). I sent letters to H & W and XXXX All I received was the exact same validation information from H & W and no response to my statements about the inaccuracies. 

I lived at an XXXX property ( XXXX XXXX XXXX ) from XXXX. I moved out in XXXX of XXXX and left a very clean apartment with minimal wear and tear. In the two years I lived there, the turnover for other apartments was very heavy. Every apartment that someone moved out of, got new carpet, I watched this many times. Even apartments where the tenant was there less than a year. It said pet stains but my dog was 100 % bathroom trained and there are no stains on the carpet ( as shown in my pictures ) Additionally, they charged for cleaning appliances when I personally cleaned appliances and took pictures of appliances and every room before vacating the apartment. Also, I never received anything from XXXX, although they had my forwarding address. I had no clue about this bill until a collection agency contacted me in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Equifax, XXXX, and XXXX XXXX about deleting negative items on my credit report. The items were not deleted. I do not own any of the collection accounts that are on my credit report I have sent letters in XXXX of XXXX  and XXXX of XXXX  to resolve this issue to no avail.
Product: Student loan

Overpayment of a loan was made by me in XXXX. Asked to be reimbursed. They told me to wait 90 business days. No check received or communication given. Called back to find another solution. Solution was given that my overpayment would be directed to my current payments. This was not done. They put me into forbearance without my approval. Called several times and unboxed them every month in XXXX and so far the months in XXXX. No response. Calling several times a month and calls are being deflected, transferred, 5 hour hold times. I am a teacher and very close to meeting my 120 payments. This overpayment would have let me meet my requirements. I am asking for a clear plan in writing and am not getting any help.
Product: Debt collection

After review of my credit reports I noticed a collection from Consumer Collection Management, account # XXXX in the amount of {$1500.00}. I sent Consumer collection management a certified letter requesting validation of debt. I received a letter from CCM which was a print out from XXXX XXXX stating I owe a debt with only the month of XX/XX/2016 provided. 

Consumer Collection management placed this debt to my credit reports without providing me the initial 30 day notice of debt. I am unaware of this debt and I would like CCM to provide a contract with my signature stating I owe CCM the alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing because I pulled my Equifax credit report and found some major inaccuracies being reported. I want to dispute the accuracy of an alleged charge-off account reported by XXXX XX/XX/XXXXon my credit profile. As the information reported is inaccurate, incomplete, and unverifiable, I request your immediate attention in conducting an investigation under your obligations per the Fair Credit Reporting Act ( FCRA ). 
Account Information : XXXX Account # : XXXXXX/XX/XXXX Account # : XXXX Equifax Account XXXX : XXXX The reporting of this account reflects several inaccuracies and discrepancies : 1. Conflicting Reporting Details : The information provided by XXXX XXXX is inconsistent across all three bureaus regarding the balance, status, and payment history. This violates the FCRAs requirement that furnishers report accurate and complete information. 
2. Unverifiable Information : I have requested validation of this account directly from XXXX XXXX, and they have not provided the required documentation to substantiate the alleged debt. 
3. Potential FCRA Violations : o Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of information reported. Reporting discrepancies like these fails to meet that standard.

o Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information upon notification.
Product: Credit card or prepaid card

I have been paying off the balance on my home depot card for over a year. My last statement for XXXX was {$800.00} and I received a new statement for XXXX indicating my new balance was for {$910.00} and some cents. When I went to review the statement it indicated that they were charging me {$210.00} of interest and a promotional no interest was not paid in full. 

Home depot conveniently paid the revolving amount and none of my payments went into the no interest amount and I essentially am owing more than the purchase amount of {$650.00}. I have made continuous payments for over a year and even paid a late payment fee once since 2022. The person I spoke to in the credit card customer care indicated I had a way of allocating that towards the no interest promotion. 

There is not a tangible way to do that either on the phone nor is there anything indicating that on the statement I am looking online. 

Home depot 's management of payments is fraudulent and convenient to be able to charge more and not able to see what my payment is going towards. Very misleading and not worth having this sort of credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.
Product: Credit card

The following is to request that the total amount of {$1300.00} dollars be removed from my credit report as delinquent for the following reasons. 
On XXXX of XXXX I went to XXXX XXXX in XXXX XXXX Florida, because my wife needed on an XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX 

When it was time for the estimate for this work, I did not have the full amount required to get this procedure done. The billing department at this location offered the Care Credit Credit Card. I had my doubts about getting approved for this card, since I knew my credit was very low. We were informed that the {$1000.00} was to be used for the XXXX  she needed. 

We were informed that the XXXX required a XXXX XXXX XXXX XXXX XXXX  before they could start working on her XXXX. At that moment no one informed us that it would cost {$1600.00} to perform that XXXX. Ater that process was done no one informed us that we had an outstanding balance on anything. 

The XXXX was not done at this XXXX since my wife did not feel comfortable with the way the XXXX  was performed. It would not be able to get her XXXX done until XXXX of XXXX at another XXXX company. 

After not getting this work done at XXXX, I received a bill from Synchrony Bank Care Credit for a bill for the {$1000.00} dollars. On XX/XX/XXXX, I received a letter from Synchrony Bank stating that my first dispute was denied, when this same bank on XX/XX/XXXX had sent me a letter informing me that they were unable to assign the credit amount requested. In their letter stating 4 reasons I was denied, 1. Lack of real estate secured loan information 2. No open bankcards in your credit file 3. Too many inquiries 4. Too many delinquent or derogatory accounts The amount applied for was not to increase the credit limit, since this was the first time applying for this card. 


If someone at Care Credit processed this payment knowing that I did not qualify, I feel that I should not have to be held responsible for the {$1300.00}, because the work performed was not a XXXX XXXX  and they did not approve me for any amount since my credit was so low.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Credit Bureau and XXXX XXXX - Reinvestigation Failure Dear CFPB, I am writing to file a formal complaint regarding a recent issue with a credit reporting agency and XXXX  XXXX, specifically concerning the failure to reinvestigate and correct inaccurate late payment information on my account. This complaint is based on the provisions under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). 

Details of the Complaint : Account Holder Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit XXXX XXXX XXXX : Equifax Date of Dispute Submission : XX/XX/year> Background : On XX/XX/year>, I submitted a dispute to XXXX regarding a late payment reported on my XXXX  XXXX account. The disputed information inaccurately reflected my payment history and was not consistent with my actual payments. I provided supporting documentation to demonstrate that the reported late payment was incorrect. 

Issue : Despite my detailed dispute and the evidence provided, the credit bureau failed to conduct a thorough reinvestigation as required under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The inaccurate late payment information has not been corrected or removed from my credit report, negatively impacting my credit score and financial standing.

Request for Action : I kindly request the CFPBs assistance in ensuring that : 1. The credit bureau in question conducts a comprehensive reinvestigation of the disputed late payment on my XXXX XXXX account. 
2. The inaccurate information is corrected or removed from my credit report as soon as possible.

3. I am provided with a copy of my corrected credit report once the investigation is complete. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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 violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their resolution dispute process was unfair and deceptive, as they did not comply with the error resolution requirements under Electronic Funds Transfer Act and Regulation E. These actions have caused significant financial loss. I pursue rightful compensation for these actions and violations
Product: Credit reporting or other personal consumer reports

I Sent Several Letters Stating That I want a Credit Report Freeze and to DELETE OLD ADDRESSES, PHONE NUMBERS AND JOBS INFORMATION FROM MY CREDIT PROFILE AND ON XX/XX/XXXX I, RECEIVED A LETTER STATING THAT YOU ADDED THE OLD ADDRESS BACK ON MY CREDIT REPORT. 
WHY CAN'T YOU OPERATE IN A PROFESSIONAL MANNER, WHY THIS ERROR KEEP GOING ON. 
How you send me a letter to my CORRECT ADDRESS AND STILL PUT THE OLD ADDRESSES ON MY CREDIT REPORT.