23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I have three rental properties, mortgaged through Northstar dba Mr. Cooper here in Texas. We have the mortgages set up for autopay on the XXXX of each month. On XX/XX/XXXX, our account was correctly debited for {$510.00}, {$720.00}, and {$810.00}. We woke up Saturday, XX/XX/2021 to find our checking account had been overdrawn. Mr. Cooper debited our account SEVEN ( 7 ) times for each of the mortgages, already paid for on XX/XX/XXXX. The total amount taken from us was {$14000.00}. 
A call Saturday morning with XXXX ( our bank ) indicated that this problem had occurred with all of their customers that had mortgages with Mr. Cooper. 
We are now financially whole, we've gotten the charges reversed, but I consider this unauthorized withdrawal of my funds no less than theft. 
I spoke with a cfpb representative, XXXX, at around XXXX XXXX  on XX/XX/2021, who told me that the cfpb does not intervene in any way on these issues, which I found disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
XXXX XXXX claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX charged further {$40.00} to bring the balance to {$160.00}. 
I did call XXXX XXXX when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with XXXX XXXX explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. XXXX  XXXX damaged my credit by XXXX point down across the three credit Bauru 's. XXXX XXXX ignored the credit consumer protection bureau laws : XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries and wrong address, and XXXX unrecognized phone numbers on my credit report, and also i don't have a access to my XXXX account some reason my login information didn't match i also attached IDtheft report. 

XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 XXXX XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unrecognized address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unrecognized XXXX numbers XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check in Atm for XXXX. My XXXX. When deposited it the atm read as XXXX. This was on the XXXX of XXXX. I called bank and made the aware of the mistake and they would look into it. The bank ( Navy Federal Credit Union ). I wait the wait time and they put money in my current amount but not my available. I called the bank and they told me it was I bad check and be returned to the issuer XXXX XXXX. I have called XXXX XXXX they told that check has been cashed I been on phone with the bank and XXXX XXXX trying to sort this out. Today XXXX and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago an Amex credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called Amex several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

American Express refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, American Express doesn't care if someone who applies for their cards is real or fake, and if they're fake Amex doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and American Express is failing me for their own gain.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 

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 has violated my rights. 


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: Debt collection

XXXX XXXX XXXXXXXX is trying to collect a sum of money I do not own them, never had a signed contract or agreement with them nor a a single business.. 

XXXX XXXX  XXXX is reporting false information on my credit report and has been harassment me over the phone. 

I requested XXXX XXXX, XXXX to send me signed and dated documentation to my person and are refusing this, of course they don't have any legal documentation in their hands and just want to rip me off and or scam me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my XXXX and Transunion credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank have stated that the account info is mine. On XXXX XXXX, I called all XXXX banks and all XXXX states that the investigations were ongoing so no information had been reported to Equifax as of XXXX XXXX, 2016. I called Equifax after getting off the phone with XXXX Bank and they claim the companies did verify the information and had no idea why they lied to me. When I asked for the verification they received, I was told that was not how the process worked and then was transferred to a supervisor who then asked me if a fradulent address appeared on my report and when I answered yes, I was told I need to talk to the fraud department. I thought I had talked to the fraud department the whole time. How are you allowed to hold people 's lives in your hands?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
* The amount you claim I owe you The amount you claim owe you menin Debt Validation Explain and show me how you have computed the amount Send me the copies of any documents that prove l age't te pe alleged ani * Identify the original creditor * Confirm that the account has not crossed the SOL period XXXX Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
+ I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX. then it will be regarded as a fraudulent action under both the federal and state laws. 
Due to this reason, if any negative item is reported to any of my credit reports by your 4 agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 
I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 
If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 


Sincerely, XXXX XXXX
Product: Mortgage

Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date.
Product: Student loan

On XXXX XXXX XXXX I spoke to XXXX and her trainer since she was in training. They both stated I would get PSLF credit for the admin forbearance. Currently XXXX shows as ineligible. In the MOHELA website it stated XXXX is eligible. Go figure, MOHELA counts my XXXX as ineligible. I have placed 2 other complaints about MOHELAs failure to update my counts. A month or so later the complaint gets addressed. Why do I need to file a monthly complaint to have my counts updated? Why is MOHELA not held accountable for their failures?
Product: Student loan

Navient has made repaying loans over the past few most almost impossible. I currently have no income and am unable to make payments at this time. I have provided them with needed income and financial information for other repayment options. They have refused to use this information properly. Instead they told me that my monthly bill payments to other credit cards were not what I was telling them, which was false on their end. They made it impossible to come up with a solution such as lower monthly payments due to me not having an income. They also harassed my elderly grandmother who is my cosigner to pay the bill which she is on social security and can not afford either. They lied to me and said that they could only help me with repayment options if my bill was XXXX months or more behind. Then when I waited like they said they made it impossible to get any thing accomplished. I have also in the past paid fees in order to have my loans " put on hold ''. Navient had been untruthful and a disgraceful company. Not only have they made it hard to repay loans but they have made me rethink why I even went to college in the first place.
Product: Debt collection

We had our ca payment in the bank that was the amount due on the car. They failed to take out thr money saying it was an error in there system. My brother in law had just recently passed away and we notified them about it and were going to pay them this friday the XXXX of XXXX. They have been calling more than 3 times a day sometimes up to 7 times a day. We had notified them that what they are doing is harrasement and i dont think it will stop. Me and my wife both work but we have been going thru personal issues as well and they dont seem to understand that. I have been recieving phone calls sonce last week they were even calling on the days of the wake, the funeral and the memorial service me and my wife were attending for her brother. I just feel like they are harrassing they are also harrasing my references.
Product: Credit card or prepaid card

American Express are discriminating against me due to my XXXX and medication. They are refusing to process the attached reasonable accommodation request under the American with Disabilities Act of 1990 as a title III company. 

The email was emailed to XXXX XXXX and XXXX XXXX on XX/XX/XXXX regarding the title III reasonable accommodation request which attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover was contacted by me in XXXX to be removed as a authorized users. I never used this card and never received a bill, statement in my name. I sent a letter in XXXX to Discover to opt out of reporting and to ask them to remove this account from my report because it is not my responsibility but was hurting my credit profile. That request has gone ignored and I disputed this with all credit reporting agencies who have recently lied and fabricated my report by stating that this account is my account and it has been verified. Discover has never provided me with such documentation to confirm or validate that I am the responsible party for this debt. Discover, XXXX, XXXX and XXXX have all committed fraud and have knowingly been reporting inaccurate information on my credit profile per 15USC1681. You will see in the letters below that the mail from Discover is not for me I am not the holder or any longer a Authorized users on this account. Invoices for XXXX due to damages I have faced from their illegal negligence will be mailed out the week of XX/XX/XXXX to all parties involved in this fraud against me. 

Discover, XXXX XXXX and XXXX are already in violation of the below code : The privacy act of 1974 15 USC 6802 20 USC 1232G 5 USC 522A 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character
Product: Credit card or prepaid card

I attempted to make a payment on my Barclaycard Aviator AAdvantage Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the Barclaycard website, I accidentally chose an old XXXX XXXX XXXX Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with XXXX   XXXX XXXX causing an overdraft of my account by {$770.00}. XXXX XXXX XXXX then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 Barclaycard charged me a {$28.00} return payment fee. Barclaycard then attempted to run the payment again resulting in another overdraft with XXXX XXXX XXXX and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

XXXX XXXX XXXX did send an alert that I later found in my email, but Barclaycard sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from XXXX XXXX XXXX. 

I have called both XXXX XXXX XXXX and Barclaycard to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.
Product: Debt collection

I filed a lawsuit against my landlord, I moved out due to the harrassment and was told to do so by my lawyer, I then found that the brokerage company claimed I owed money and reported it on my credit, I was never informed that I owed anything in writing, I paid rent up until I moved I do not owe anything, if I do I would like proof something in writing and I would like to see the charges and what they are for exactly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

In accordance with the Fair Credit Reporting act. The List of closed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

XXXX previous complaint inconsistencies were not removed from report. Credit reporting agencies have no written authorization for reporting all items listed on XXXX complaint. Therefore from their refusal to abide by law, and obtain written consent, all items from XXXX complaint must by removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block inc ) due to inadequate customer service and unfair practices which violates 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 deceptive and unfair as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report # XXXX XX/XX/XXXXreport # XXXX XX/XX/XXXXfile # XXXX I am filing a complaint because Experian, XX/XX/XXXX, and XX/XX/XXXX have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second attempt see complaint # XXXX for reference