23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started when I was laid-off back on XX/XX/2018. I got behind a couple of months. I paid one month when I received my tax return. I applied for a modification with XXXX which was my Mortgage Company. They denied me the loan mod. due to unemployment was not considered an income. I found a job in XX/XX/2018. I applied for the loan mod. again resubmitting documentations and application along with pay stubs. I was able to make one payment. XXXX would repeatedly state that they never got all my paperwork send it again. Then one day they told me my loan was being sold and they had all my documents and they would transfer my docs to my new Lender Shellpoint. it took a month for me to finally get my transfer completed. Shellpoint stated that they did not receive any documents from XXXX and I would need to start the process over again to get a loan modification with them. So I asked if I could make at least make a payment and they stated no not at this time they would need at least {$5000.00}. So I begin to scan my mod. application and all the documents they requested. and again they would state they never received or they would request that it should be sent a certain way. When I started getting the run around again around back in XX/XX/2018. I decided to seek help. So I hired a Law Firm needless to say it still was no help everything I submitted to the Law firm and cc Shellpoint documents was still incomplete the Law firm was upset as well. I just don't understand now I'm paying a Law firm when I should be paying my mortgage. I'm so upset I can't sleep at night I work and I have a business which is suffering as well. When I could be thriving in my business if it wasn't for this foreclosure hanging over my head. I have a license Group home that I can have provide services for the Elderly and XXXX adults to live in family environment instead of nursing home. I have a Provider and medicaid number I can bill their insurance companies for the services that we provide. But unfortunately I had to return my Residents in fear that I will be foreclosed. Shellpoint Mortgage is not letting me make payments by giving me the chance to modify my loan and keep my home. I don't know if the Law firm is in on it as well. This is not fair for hard working families. I have all the emails and documents that was faxed and scanned to XXXX, Shellpoint and Attorney 's office. I have answered every request the Attorney 's office only calls me back when I call them for updates. and when I receive mail from Shellpoint 's Attorney I immediately update the Attorney. Please help this so frustrating!!!!
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion on XX/XX/24 about a collection account. I sent them written information that I had been told that i did not owe anything when I moved out of an apartment complex. The manager told me that I had paid everything, and she could not charge me anything else. Months after I left, they decided to say that I owed {$100.00} and filed a collection account on me. Just a few days later TransUnion sent me notice that they had investigated my dispute and they had verified that the collection account was accurate. Later they just opened up an open account in my file and changed the collection account into an open account. I believe that is wrong and even more damaging. I did not open that account. They don't allow me to dispute it and when I try to write a statement about all the problems with it, they don't allow enough words to do that. They also don't show your credit score. They want you to buy it. My dispute on XX/XX/24 was to not to dispute the accuracy of the account. I relayed to them that I had been led to believe I didn't owe the money. I also said the account was false. I then went to XXXX XXXX which is the upper management of the apartment complex. They sent me the file of what made up the amount they filed on me. After examination I saw that they charged me with unities that were after my legal notice to vacate. They actually charged me for the time I had moved out and was not there. They filed an inaccurate and false collection account on me. I was led to believe I didn't owe the money to begin with and now I can also prove what I just stated herein. I am uploading documentation to show my legal date of intent to vacate. Then the document showing the dates and charges after that date. I actually moved out on XX/XX/24. I don't know what TransUnion investigated but it wasn't the accuracy of the collection account. The account they have charged against me for the XXXX next 7 years is actually inaccurate and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an erroneous collection item for XXXX XXXX XXXX on my Experian report. I received a notification the same day that the item had been deleted from my report. I next received an alert within a few minutes that my Experian Credit Score had decreased by XXXX points. I called Experian at XXXX ( XXXX ) XXXX and spoke with representative XXXX at XXXX to ask why my score had decreased. She proceeded to tell me that a score could drop for various factors. I advised her that I was aware of that but why did my score drop if they had no new information reported to result in a XXXX pt decrease. He toldme they did not have any new information that was reported today. She then told me if I wanted further information I would have to consult with a financial advisor. I feel as though I was penalized for disputing the erroneous collection item on my report and being that Experian is the company that decreased my score they should be able to explain why. I should not have to pay a financial advisor to tell me why a company that has all control over my credit score can just drop it at will for no valid reason.
Product: Credit reporting or other personal consumer reports

These XXXX illegal collections are fraudulent and they need to be removed off my report. These XXXX accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! These XXXX illegal accounts were all opened in succession over XXXX XXXX years ago without my knowledge. im asking you guys to please remove these illegal accounts off my credit report so that I can go forward in life. Please remove these! 

XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year>XXXX XXXX XXXX XXXX {$57.00} Date Opened XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of fraudulent accounts appearing on my credit report. These accounts were opened without my consent and are causing me severe emotional distress, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of all fraudulent accounts listed below from my credit report. As a victim of identity theft, I have the legal right to have this information blocked and permanently deleted. 
The following accounts must be removed from my credit report immediately : 1.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft. Please investigate and remove from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Payments was never late, under 15 U.S.C 1666b update to current XXXX Account Number : XXXX 5. The following account is not mine XXXX  Account Number : XXXX 6. The following account is not mine XXXX XXXX Account Number : XXXX I have attached a copy of my identity theft report and any other supporting documentation required to validate my claim. According to FCRA Section 605B, you are legally obligated to remove these fraudulent accounts within four business days of receiving this request. 
The emotional and XXXX  toll that this situation has placed on me is unbearable. The presence of these fraudulent accounts has led to overwhelming stress, XXXX, and mental anguish. I am pleading for your immediate assistance in resolving this matter before my situation deteriorates further. 
Please provide written confirmation of the removal of these fraudulent accounts at your earliest convenience. If I do not receive a response within the legally required timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies at {$1000.00} per violation. 
I appreciate your urgent attention to this request and expect immediate compliance with FCRA Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, XXXX, and Experian. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, nor Experian have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Product: Checking or savings account

I opened up a checking account with SunTrust bank on XX/XX/XXXX. 

On XX/XX/XXXX of the same year, I had not been able to access my online account for a couple of days, so I contacted my bank, via their customer service line. I was informed that my account was under review and my account was unavailable for withdrawals and that SunTrust had also decided to close my account as well. When I asked why my account had been frozen, no reason was given. I was informed that my local branch may have the reason instead. So, I drove to my local branch, where I was told that they could not access or provide any specific reason why my account was being frozen, reviewed, or closed. I was informed that funds would be mailed to me once the review and closure was completed. When I asked for a timeframe, as I need that money to pay rent and bills, I was informed that there wasn't one. The only thing I could do was to just keep following up with the 1-800 corporate number. My current balance, as of today, is {$2200.00} and I was told repeatedly, in person and over the phone, that there is no way to give me my money. 
The best explanation I received was that my account was being closed for " loss prevention ''. Plus, once this " review '' is completed, the only assurance I have received is that my " remaining '' balance will be mailed to me. I have received no assurances that my current balance will be returned, only whatever remains after they decide how much of my own money that I get to keep. I have never had a negative balance, overdrawn my account, or been charged any penalty fees of any sort. I have no court judgments and owe no creditors money. I was also never contacted in regard to this action. The only way I even found out was because, of my own volition, I contacted customer service regarding my account. How am I supposed to pay my rent, which is due on the XXXX of each month, when my bank, for no reason that they can provide to me, froze my account funds for an unspecified amount of time and took my money, so that they can use it in various aggressive investment? My money has been held unjustly. I am not a criminal. I am a low income XXXX female that has been collecting unemployment. This is an unlawful garnishment of my government provided unemployment income. These people claim to " care '' about XXXX justice, but in practice we are just pockets for them to rob from.
Product: Debt collection

SPRINGOAKCA HAS CALLED ME A NUMEROUS TIME ASKING ME FOR MONEY THAT THEY SAID I OWED THEM. I HAVE ASKED FOR ANY TIME OF PROOF OR CONTRACT SIGNED BY ME IN WRITING AND THEY HAVE FAIL TO PROVIDED ME. 

THEY SAID I OWED AND AMOUT OF {$1400.00} AND THAT THE ACCOUNT WAS OPEN : XX/XX/year>. 

I HAVE NEVER OPEN AN ACCOUNT WITH THIS COMPANY AND IM REQUETING ANY TIME OF PROOF.
Product: Bank account or service

On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank is not able to pull credit report from Experian. 
My account is NOT locked. I can not reach anyone at Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 
Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late
Product: Credit reporting or other personal consumer reports

This was never a charge off account and the historical data reported on my file with XXXX is not accurate. I have uploaded emails from the Branch Manager stating this was never a charge off account. Furthermore, this account continues to report CO ( charge off ) on XXXX file which is grossly inaccurate. In addition, upon review of my most recent credit report via free annual credit report, I found account ; PenFed listed with multiple inaccurate data. This account shows an open date of XX/XX/XXXX with no payment history listed up until XX/XX/XXXX with no data reporting in the year XXXX XXXXXXXX. The account starting reporting charge off status starting in XXXXXXXX XXXX XXXXXXXX. The account starting reporting paid on time in XXXX and XXXX XXXX XXXXXXXX than 30 days late in XXXX XXXX XXXXXXXX. The account starting reporting paid on time starting XXXXXXXX XXXX XXXXXXXX up until XXXXXXXX XXXX XXXXXXXX. There is no reporting activity beyond XXXXXXXX XXXX XXXXXXXX up until XXXXXXXX XXXX  XXXX. Furthermore, the account states paid and closed. However, it is also reporting charged off, how can this account reports paid and closed, paid on time and reporting charged off all at the same time. This type of inaccurate reporting history has had a huge burden on my credit file and credit worthiness and my ability to obtain credit resulting in credit applications denials. I have attached all correspondence with the PenFed Branch Associate who made attempts to correct this issue, but it seems it was not complete. I have spent years trying to correct this matter.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - Capital One XXXX To Whom it May Concern, I am writing to express my utmost dissatisfaction and apprehension regarding the handling of the reporting of the account Capital One XXXX on my credit report. Upon review, I have identified several clear breaches of the Fair Credit Reporting Act ( FCRA ) in relation to this account, and I am demanding immediate action to address these issues. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account Capital One XXXX. 
Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Specify the precise date on which the account Capital One XXXX was initially established. 
Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 
Date Account Was Closed : Indicate the date on which the account Capital One XXXX was officially closed. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of the reported information. I insist on a prompt response and resolution to rectify this matter. 

Failure to comply with this request within 15 days from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be submitted to the CFPB Portal for expedited access. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Product: Mortgage

I had a 30 year FHA mortgage with Roundpoint mortgage company. I paid off my mortgage balance on XX/XX/XXXX by refinancing with another lender. I had an escrow account having a balance of {$5400.00} to be reimbursed to me. I called them after 3 weeks to find out about my refund. I was told that they could hold the money for a month before they refund. I called again on XX/XX/XXXX as I saw online a refund was issued on XX/XX/XXXX and they told me the check was cut on XX/XX/XXXX and I should receive the check in a week. Now it is been more than a month and two weeks I still don't have a clear answer from roundpoint about my refund until today XX/XX/XXXX. 
XX/XX/XXXX - Loan Paid In Full ( Cash ). 
Address details of company : RoundPoint Mortgage Servicing Corporation XXXX. XXXX XXXX XXXX, NC XXXX Customer Service at XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service & unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronics Fund Transfer Act ( EFTA ) & regulation E. These actions have caused significant inconvenience & financial loss & I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told to contact Early Warning Services at XXXX, They declined to provide any information. This was last week. The report was filed by XXXX but my own bank XXXX XXXX XXXX also refused to open a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting 90 days ago I reached out to Chexsystems to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in XXXX to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A that Chexsystems is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided XXXX with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A that Chexsystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by XXXX only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A Chexsystems is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Chexsystems stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful noncomplaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$3000.00}
Product: Credit reporting or other personal consumer reports

Send a report in complaint in and 45 days later get the same answer that I got the last time I asked for it to be cleared up
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or lis

t 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 inaccurat
e.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, Transunion, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.