23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan was purchased and taken over by LoanCare , LLC I was making my full payments on time but would pay partial payments through bill pay services with my bank before the due date or 15 day grace period. 

I made a payment by bill pay {$320.00} that cleared my bank account XX/XX/XXXX for due date XXXX I made a payment by bill pay {$1200.00} that cleared my bank account XX/XX/XXXX for due date XXXX {$320.00} + {$1200.00} = {$1500.00}, total due was {$1500.00} on XXXX I made a payment by bill pay {$670.00} that cleared my bank account XX/XX/XXXX for due date XXXX I was planning to make the rest of my payment on pay day XXXX before 15 day grace period which would have been XX/XX/XXXX. 

I received a letter that stated that I had missed payments so I called on XX/XX/XXXX, I was informed that they don't accept the partial payments, only in full payments. They were willing to help me out and reverse all the payments that I made that applied to principal and apply them to my monthly payments. They agreed to reverse all 3 of the above payments that I made. I was told they were all set up and would take 7-10 business days. 

I called again on XXXX to make sure the final amount owed for XXXX was correctly applied to my XXXX payment rather than my bill pay services through my bank. I paid {$850.00} on XXXX for a total payment of {$1500.00} for my XXXX payment due XX/XX/XXXX with grace period. Amount due total for the month was {$1500.00}. I also went over the reversed payments and all the dates and amounts again and was told everything was still in the process or completed. 

I received another notification that I was still missing a payment and was in 30 days of default and may lose my home to foreclosure. 

I called again XXXX they informed me I was still missing {$320.00} towards my payments and that they would set up the {$320.00} again for reversal from principal to apply to payment. 

In the mean time they reported to the Credit Bureau that I did not make my mortgage payment and it dropped my credit score by almost 120 points. I made every step to correct this back in XXXX and there should have been no reason why they should have reported it to the Credit Bureau. They assured me several times that all payments were going to be reversed and correctly applied to my payments and that there would be no late payment and my account would be in good standing.
Product: Debt collection

I have not been to XXXX XXXX XXXX XXXX XXXX ever, this is an unauthorized account fraudulent account on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce 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 3918 financial loss, and I seek appropriate redress for theses violations ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process 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 loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Case Name ( s ) & No. : Ally Financial v. Alberta Haskins ; Case No : 16JE-AC01713-01 Jurisdiction : XXXX Judicial Circuit Court for XXXX XXXX , Missouri Products/Services Involved : Collateral Repossession Laws This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
Product: Debt collection

I have no knowledge of the debt reported by XXXX and portfolio recovery associates. 
I have never agreed or done business with either of these parties about the matter
Product: Payday loan, title loan, or personal loan

I have an old account with World Finance and fell behind on payments due to the fact that I'm not XXXX and on a fixed income. I submitted a settlement offer based on what I could pay to settle the account. World Finance didn't respond to my offer and they continue to place additional fees and costs each month, which isn't right and in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Due to this, I request that all the following accounts and inquiries be blocked and deleted from my credit report, as they are the result of unauthorized actions. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allows for the removal of accounts affected by data breaches. 
Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying to refinance my mortgage in XX/XX/XXXX. New creditor has asked me to provide a letter of explanation for a " business '' listed on my EXPERIAN credit report ( pulled on XX/XX/XXXX ) that is loosely connected to my current address. 

I have no knowledge of this business. The address they show this business connected to does not include my unit number, so it is not strictly connected to my actual address. Upon research with my state 's Secretary of State website, the entity does not appear to even be a business in this state. Upon further research, the " business '' appears to be an individual 's name followed by a prefix. I do not know this person but whether this is a name or a business, it should not be connected to my personal credit record.
Product: Student loan

I was lied to from the beginning when enrolling in this school. I don't know if this is the right place to let you know all the things I was lied to about. For now I would like to let you know that I will never be able to get my XXXX. The XXXX I went to has closed. They would not even give me my transcripts until I paid them XXXX XXXXXXXX They promised me job placement which they never helped me XXXX XXXX XXXX XXXX. I sacrificed 2 years of my life, scared to death of failure because this school was extremely expensive, XXXX XXXX  I could not find a job in my career. I had to do the best that I could freelancing and was forced to live with my parents. All these great promises this school told me were not true. Now I have an enormous outstanding balance, no work, no career, XXXX XXXX to show employers, not even transcripts to continue education because I can not find a job for what I went to school for. I am so saddened, feel hopeless, and left in the rain. I will never get XXXX XXXX that I worked so hard for. Yet I am forced to pay this enormous amount of money which has accrued a tremendous amount of interest already. This is why I am reaching out. I need help, I believe this should be illegal. I believe I did everything right with good intentions, yet I was suckered into this school 's empty promises.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1.I was steered toward a refinance cash out loan after I requested an equity line of credit loan to make repairs to my home. 

2.Loan was denied based on needed repairs revealed by the appraisal that I paid for in advance. The appraisal on XXXX was for more than the loan amount ( {$54000.00} ). I was not offered a different kind of loan or a lower amount.
3. Subsequent appraisal by a different bank on XXXX revealed a property value of {$75000.00} and no repairs needed. 

4. I believe the appraisal was rigged as a pretext. The true denial was for age and zip code bias. 

Loan App # XXXX for {$50000.00} with Navy Federal Credit Union. 
Applied on or about XXXX XXXX, XXXX. 

XXXX XXXX, mortgage processor. XXXXXXXXXXXX ; phone XXXX, ext XXXX XXXX XXXX, supervisor XXXXXXXXXXXX ; phone XXXX. 

I spoke with XXXX XXXX on or about XXXX and was told I have no recourse since I agreed that the appraisal fee was non-refundable. I assumed that it was a protection for the bank against an overstated valuation by the applicant not a device to deny a loan for their own purposes. 



XXXX
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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 items 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

I have already sent several letters to the creditor asking them to remove the fraudulent information, and I also asked the credit bureaus ( XXXX, XXXX, Equifax, XXXX XXXX ) to remove the information as well, but all have declined to do so. 

My consumer rights are being violated under, 15 U.S. Code & 6802 " obligations with respect to the disclosure of personal information. '' because they never gave me the option to opt out of reporting my personal information to a third party. 


On XXXX/XXXX/XXXX, I reached out to all parties to rectify the issues. 

U S DEPT OF ED/XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details XXXX XXXX  paid off Balance {$29000.00} Balance updated XX/XX/XXXX Original balance {$44000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/Care Credit aka Ge Capital Credit aka Synchrony Bank, account number ending in XXXX On XX/XX/XXXX Syncb/C.C. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and Synch/C.C. for verification. Over 30 days later on XX/XX/XXXX Syncb/C.C. recalls ownership of the account from XXXX. Then on XX/XX/XXXX Syncb/C.C. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
Product: Mortgage

On XX/XX/XXXX I purchased an investment property with a pay option ARM loan ( number XXXX ) with an option to increase my principal borrowed by 10 % which I could use to borrow against to help pay my monthly interest, much like a line of credit. During the years XX/XX/XXXX thru XX/XX/XXXX IndyMac Bank only reported the interest I borrowed on the original amount of the loan and not the additional borrowed interest, that they referred to as deferred interest. In XX/XX/XXXX OneWest Bank acquired IndyMac Bank and in XX/XX/XXXX when they foreclosed on my property they provided me with a Form XXXX that included the unreported interest ( Deferred Interest ) in the original principal amount which is reported in box 2. of the Form XXXX. The instructions for Form XXXX specifically do not allow for interest to be added to the principal in box 2. Therefore I am requesting IndyMac Bank-OneWest Bank-CIT Bank provide me with a corrected Form XXXX or corrected Form XXXX for years XX/XX/XXXX thru XX/XX/XXXX. I have attached copies of my documents and Bank documents. The Bank 's loan history documents match my figures to the penny.
Product: Debt collection

Calling at all hours, leaving rude unprofessional messages. Have attempted to use the web to view the debt in question they say I owe but their website goes to a dead link with no assistance. I would like to see the debt first, and they are not allowing me to see that information on paper opting to just call with no verification of debt owed.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am trying to buy a house for me and my family and these accounts are hindering. Can you please remove them. I have already contacted FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax in regards to the incorrect items on my credit report, it has been well over 30 days without receiving any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
EQUIFAX MORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT 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

I was not aware of the 4 % interest cap for military members in Louisiana
Product: Credit reporting or other personal consumer reports

This reporting agency is in Violation of Timely Payments Regulations : You reported \ '' late payments\ '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. Please remove these innacurate accounts asap they are negativeley affecting my score.
Product: Vehicle loan or lease

I have been trying to pay this loan off since XXXX XXXX XXXX! I started paying extra amount to the principal but it kept getting paid as a monthly payment with additional interest and then not being applied to my monthly payments! Which caused my account to reflect 30 days past due! Not to mention additional fees being added for no reason. I was told it would be removed and would go straight to the principal balance, in which did not happen! This is the 4th time this has happened on this account causing more interest to accrue on the account, making it harder for me to pay this loan off! They are now saying that I have an additional {$590.00} due along with the pay off amount of approximately {$1000.00}. This is not true and I will upload documents to prove what my bal was in XX/XX/XXXX. The additional interest that was owed at that time was {$1500.00}. Then on XX/XX/XXXX the additional interest was listed at {$2100.00}. That is not possible. It cant gain the amount of {$590.00} in 8 days at {$17.00} per day in interest! The most that it should have went up in XXXX is {$140.00} in which principal payments were made in the amount of approximately {$1600.00} total from XXXX through XX/XX/XXXX! I have been calling for an entire month trying to get this resolved to no prevail! When I ask to speak with a supervisor Im being told it would take 5 business days for a call back! In the meantime Im getting held up from paying the vehicle off being charged additional interest! I am at the end of my loan and maturity date is XX/XX/XXXX. I have been working diligently to get this paid off before this date, without the cooperation of Capital one!
Product: Debt collection

Williams and Fudge from phone number XXXX XXXX XXXX have tried to contact me on a recorded line. They would not initially disclose who they were and have still not disclosed what they are looking for from me. I have no debts currently. I suspect that this is some kind of fraudulent attempt at stealing from me.