23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XX/XX/XXXX, I mailed a XX/XX/XXXX mortgage payment using the XX/XX/XXXX coupon of my current mortgage servicing company, PHH Mortgage. After coming home from vacation, I found in my mail a second payment coupon for XX/XX/XXXX from another servicing company, XXXX XXXX. My servicing had been transferred. I did get a notice about this earlier, but missed the effective date of after XX/XX/XXXX, so I erroneously paid the first company because that was the only coupon I had at the time. My check to the first company ( PHH ) had not cleared by XX/XX/XXXX, so I was worried and called them. Their voice message said my account was transferred and I had to call the new company ( XXXX ), which I did, but the new servicer said they had not gotten anything from the old servicer ( PHH ) so I have to call the old servicer back. PHH 's customer service rep said they had no record of the payment. They said when they got the check they would either send the money to the XXXX or refund it to me. I just have to wait. This seems contradictory to their notice ( attached ) that says : " The last day PHH Mortgage will accept a payment from you is XX/XX/XXXX. '' I am worried when they will ever find my check in their system for my closed account if they say they haven't got it yet, since it's been a few weeks they sure should have gotten it by now. So I said how about if I put a stop payment on the check I wrote to them, and send a new check to XXXX for the XXXX payment. The PHH rep told me I am not allowed to stop the check and they will charge me a penalty for insufficient funds if I do that. They suggested I pay my mortgage twice -- the previous check to PHH plus write a new check to XXXX, then wait for PHH to process the first check. Or I could just wait until whenever PHH processes my check ( which they should have already gotten based on the dates, very worrisome ), to see if they pay XXXX the XX/XX/XXXX payment, or if they refund the money it to me. But I don't want to be late with the XXXX payment. So am I stuck paying double mortgage for XX/XX/XXXX? Do I have any other options to get this corrected? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XX/XX/XXXX. Beginning in XXXX of XXXX I began to contact XXXX, Equifax and XXXX via certified mail disputing this information. I was informed by all XXXX companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on XXXX separate occasions with all XXXX bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family
Product: Checking or savings account

BBVA/Compass Bank Checking Account XXXX Fraud Management Department Phone ( XXXX ) XXXX option 2 My checking account was compromised in a fraud attempt on XX/XX/2020. Money was transferred into my account via ACH in the amount of {$7400.00}. 

There was a beginning balance BEFORE the inbound ACH of {$200.00}, which brought the ending balance to {$7600.00}. 

{$2500.00} was withdrawn from the account via check on XX/XX/2020. 

The account was frozen pending investigation on/around XX/XX/XXXX. At this time, my son and I were threatened with bodily harm by the scammers until they gave up. 

There was some communication between myself and the bank 's XXXX  Fraud Management Department, along with a few attempts to RETURN the {$2500.00}. This was successfully done on XX/XX/2020, bringing the balance back to {$7600.00} ( the balance AFTER the ACH posted ). 

On XX/XX/2020, the bank sent the ENTIRE BALANCE, INCLUDING MY {$200.00} via ACH to the original sender of the {$7400.00}. 

I can not find a viable mailing address on the BBVAUSA.com website and calling them goes nowhere. 

Now I get the runaround -- on the rare occasion I actually get ahold of someone in the department. 

This morning ( XXXX XXXX, 2020 ) the rep in XXXX Fraud Management Department informed me that I relinquished the money because I had cashed a check for {$2500.00} ( XX/XX/2020 ), completely ignoring the fact that a. ) the entire {$2500.00} was RETURNED and b. ) the amount they sent was MORE than was RECEIVED by the sender! 

XXXX Fraud Department then provided me with the Dispute Department ( XXXX ) as the only option. I called, spoke with one person and was transferred to another person, who then transferred me BACK to XXXX Fraud Management. There, I ( again ) toiled on hold until I could not wait any longer. 

This is easy accounting! I am filing a complaint because the fraudulent amount was {$7400.00} and they should and sent back {$7400.00}, NOT {$7600.00}.
Product: Mortgage

In XX/XX/XXXX, I started to loss my jobs due to a lack of retail sales. Therefore, I have gotten behind on my mortgage payments. I have constantly spoken with Flagstar Bank to keep them updated on my situation. Currently, My home is in foreclosure and I have been attempting to do a loan modification with them since XX/XX/XXXX. I have had NACA working with me to prevent this forclosure and handling of documentation that needed to be sent to them. My package for a loan modification was sent to Flagstar via  email on XX/XX/XXXX and they have as of yet to review my file as of yesterday XX/XX/XXXX I was told they hadn't looked at my package. Today I was told my loan modification was denied on the XX/XX/XXXX when they haven't even looked at my package. I am currently working for XXXX and XXXX XXXX companies to try and make ends meet. I feel my husband and I, are being discriminated against due to the fact that my husband is completely XXXX with XXXX XXXX. This disease takes your eyesight and hearing at a very young age. I feel I am being bullied because I am a woman and am unaware of the proceedings that happen during loan modification. Every time I call Flagstar I get different information from different agents and my NACA representative has also had the same issues. I do not understand how they can deny me a loan modification without even looking at my package. I have received a letter from an attorney giving me a forclosure date and intent to sell. I do not wish to lose my home I would like to work out something with the bank but they aren't giving me any options at this time because they are saying I am too late when I have given them 39 days to look at my loan modification package. The only notification I have received from Flagstar bank is payment stubs and then a letter from an attorney stating a sale date and intent to forclosure.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to file a complaint with Equifax and Experian about a debt collection from a company called XXXX XXXX XXXX. The apartment complex called XXXX XXXX XXXX owned by XXXX is trying to extort {$2500.00} from me by altering a lease agreement. The leasing agent altered my lease agreement regarding an early lease termination process without my consent. I opted for option XXXX which says I'd be responsible for the rest of the lease if they couldn't find another renter ( which they did. ) The leasing agent checked a box that indicated I chose the first option to pay $ XXXX to break the lease. I NEVER opted for this choice and the other box was checked already by me with my initials in the space next to it. I have documentation to prove the fraud. The font that the apartment complex used is different than the font that I used in the same document when I filled it out online. 
They submitted a debt collection without my knowledge to XXXX XXXX XXXX. I have collections notice on all three of my credit reports - equifax, experian and transunion. 

When I tried to dispute with Equifax and Experian, I could not submit all the documents. Many documents required PDFs or TIFFs. Even though the lease agreement was in a PDF document, I could not submit it due to storage limits or capacity limits. I could not find their email adress or another way to submit the dispute to them except by mail or phone. Mailing the amount documents I have ( at least XXXX pages ) is labor intensive, costly, time-consuming and an undue burden. 

Also the documents need to be converted to PDF or a picture format such png or jpg or tiff to be submitted. I do not have access to XXXX or PDF. I have to pay to get the XXXX software in order to process, fill out and re-size PDF documents in order to upload them to equifax or experian. I feel this is purposeful and deliberate consumer suppression. It is done deliberately to make it hard for consumers to protect themselves against fraudulent and deceptive debt collections agencies and corporate landlords who prey on vulnerable populations. These apartment companies routinely claim a renter or consumer owes money that they know the consumer or renter does not owe. 

Equifax and Experian seem to be complicit in this process. The only other way to contact Equifax or Experian is by phone in an attempt to get an email or have them walk you through how to fill out the forms so that the right info gets submitted. I tried to call them and could not get through to anyone. I was on hold for at least XXXX minutes with Equifax. No one picked up. With Experian, no matter how many buttons or choices I picked, they would not put me on with a representative. I have a job and can not afford to sit on the phone waiting for a representative to pick up or waste XXXX minutes trying to figuring out which buttons to push to get a live rep on the phone. This is another attempt by Equifax and Experian to suppress the consumer 's ability to defend themselves against predatory landlords and debt collections agencies.
Product: Checking or savings account

My name is XXXX XXXX, I possess an active secret clearance. 

Recently I opened an account with Chase Bank, my account was later closed without an explanation. I believe this action was caused by false/negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX disputes I owe a payment of XXXX. I changed carriers because their rates increased ridiculously before my next payment was processed. I was paying {$240.00} a month. XXXX XXXX premiums increased in my account per the company due to a change in the premium rating system used by XXXX XXXX. I talked to several reps who told me I did not owe the monthly payment ; I had already switched carriers. My insurance company also responded with a fax showing my new due date and payment. I called and spoke to several reps. who agreed my car was not insured under their company and the new payment from the old company covered my car for that month. Then, I started getting letters for demand of payment. When I was purchasing my home in 2019, I had to write a letter of dispute so that I could get financed. I am a single mom who has gone back to school, purchased a home, and has a better job. I am keeping my credit on track. This creditor is ruining my credit by selling off this false debt to different Collection Agencies. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute out to Equifax on XXXX for an account that doesn't belong to me. I have yet to receive any correspondence from Equifax and it has been over 30 days. Under the Fair Credit Reporting Act, the account XXXX XXXX XXXX must be deleted since Equifax has failed to respond to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Asked them to remove but they did not. 
I did not authorize these inquiries!
Product: Credit reporting or other personal consumer reports

Back on XXXX XXXX, and there after I've sent letters disputing Incorrect personal information contained on my XXXX credit profile. I have not received nothing but Stall letters from XXXX stating that they need to be sure its me disputing these items According, as per FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the XXXX period. I HAVE BEEN A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT started XXXX. I've sent multiple letters asking them to reinvestigate these accounts listed below that are reporting inaccurate. 


Clearly, they have willfully, failed to delete the disputed information as I have requested [ XXXX XXXX Collection/Chargeoff Account # XXXX ] .Incorrect personal information. This account is not accurate and should be deleted. 

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 reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not reported correctly. This account is not accurate and should be deleted [ Navy Federal Credit Union. Collection/Chargeoff AXXXX XXXX XXXXXXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ Navy Federal Credit Union. Collection/Chargeoff Account XXXX XXXXXXXX ] XXXX date is not reported correctly. The amount reported is not accurate. This account is not accurate and should be deleted I have reported this information to XXXX and have not received a response back. 



Incorrect information on my report Sub-issue : Account information incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not do in properly investigation. Keep responding back saying verified with no supporting documents on how they come to that decision. So I included attachments that's supporting the inaccurate accounts.
Product: Checking or savings account

From the dates XXXX XXXX federal has caused me over XXXX $ in overdraft fees. 

The company told me they could not do anything about it and I had to pay it back.
Product: Credit card or prepaid card

I am being charged late fees by Synchrony Bank for a Rooms To Go Card, even when I make payments on the due date and even with autopay set up!! They refused to credit all late fees charged
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just refuse to correct the issue with XXXX displaying this late payment in XX/XX/XXXXwhich is not true. In addition I attached a picture showing the " Status Date '' has " NOT BEEN UPDATED '' and Status Date per their description on their pages states : Date the creditor last reported information about the account " PAYMENT STATUS ''. 

My payment status has been great and I should not have any late payment displaying. I'm going hold Experian liable for this error as I have tried to correct this error over 3 years. This is only displaying on Experian. 

In addition to that, this accounts should be showing closed since I do not have to pay on them until XX/XX/XXXX, per the Department of Education and the loans are more likely will be forgiving because of the illegal practices of University of XXXX. 

Please correct this payment history or face legal actions this Experian last chance!
Product: Money transfer, virtual currency, or money service

( 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 an address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proces 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 OSS and E seek appropriate redress for these violations I want the CFPB to_ publish this
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thank! Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed, ( while on XXXX XXXX ) a new account opened on my credit report through XXXX XXXX XXXX. It had an incorrect place of employment and I never opened an account with them. I contacted XXXX and submitted a complaint. They responded a couple of days later that the company said the account was mine. So I called them and they wouldn't answer their phones. So I emailed them. They responded telling me they don't recognize my email and asked me for all my personal information. I didn't want to do that at first but I finally agreed to give them my last XXXX digits of my SSN. After that, they said they found the account and froze the account. But they said I am still responsible for paying it. ( I didn't open the account, I don't receive bills, and I don't have account information or passwords to pay the money I didn't even receive. ) So, because it is not being paid, they keep reporting me to XXXX and my credit score is going down. It's only {$25.00}. But it is destroying my good credit and I have no way to stop it. And they refuse to take responsibility for fraudulently opening and account without verifying the information! I don't know who has my SSN out there but I put out a fraud alert through XXXX. No reputable company would think that you should be liable after you show them proof that you did not open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit card

I am formally raising an issue regarding a PayPal credit account that has been fraudulently opened in my name. This account does not belong to me, and its repeated opening and closing have caused me significant distress.

Despite providing all necessary information multiple times, PayPal has failed to protect my rights and handle my dispute effectively. I demand that this matter be resolved immediately, as this account and its balance do not, under any circumstances, belong to me.
Product: Credit reporting or other personal consumer reports

RE : Failure to reinvestigate in violation of the FCRA To whom it may concern : On XX/XX/year>, I mailed you a letter disputing inaccurate information resulting from identity theft contained in my consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As per United States Postal Service and my records, you received my dispute letter along with my FTC Identity Theft report on XX/XX/year>. Accordingly, as per FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. You received my dispute letter on XX/XX/year> along with my FTC Identity theft report along with my Identification, 605 B letter and my dispute letter. Therefore, your response were due on or by XX/XX/year>. Instead of sending me a response letter with the results of your investigation of the disputed information, you did not investigate my disputed information and never return my phone calls when I called to speak to someone about my disputed information. 
Clearly, you have willfully failed to investigate the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation altogether. XXXX and XXXX completed their investigation in the allotted period and deleted these items off my consumer report. However, your excuse, assumption and reasons as to why you did not investigate my dispute is not a valid reason under the FCRA to not investigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file per the FCRA. Your failure to investigate is an intentional and or negligent act and a FCRA violation. 
As a result of your conduct described above, you shall promptly delete the disputed information. Be advised this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you again for taking the time for reading my complaint. 

XXXX is taking longer than 30 days for debt validation. 

I have requested from MILITARY STAR to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked XXXX  to investigate this matter and it has been longer than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX have been reaching out and waiting on a response that does not come and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fixed now I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me.