23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are working on a short sale and the 1st lien received the file, processed it and approved the short sale. The 2nd lien was with XXXX and service transferred to SPS on XXXX/XXXX/XXXX. Of course it took 10+ days for the loan to port into SPS 's system, so we had delays - then we had to start from scratch ... even though the paperwork with SPS says that there will be no delays due to service transfer. SPS now has all documents, I have sent in the 1st lien approval ( along with highlighting the deadline to close of XXXX/XXXX/XXXX ) and have escalated the file as of XXXX. I called today for a status and was told that they WOULD NOT escalate the file, nor would they rush it. They will wait the 30 days from date the last document was received. 

SPS is in 2nd lien position - the 1st is with XXXX and is backed by XXXX XXXX. Why delay the file JUST BECAUSE when they are not able to negotiate the amount they will receive? Just another way to try to force clients into foreclosure.
Product: Credit reporting or other personal consumer reports

It's reporting on my credit and it's not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. IT HAS BEEN WELL OVER 45 DAYS AND I haven't received any investigation results. I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION. I have even contacted XXXX  LEGAL DEPARTMENT and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. Congress enacted the FCRA in XXXX to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. 2009 ) ( internal quotation marks omitted XXXX. Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ). SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. XXXX ). Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' XXXX XXXX XXXX XXXX, 744 F.3d 853, 865 ( 3d Cir. XXXX ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' I DEMAND FULL REMOVAL OF THIS ACCOUNT. XXXX is guilty of DEFAMATION OF CHARACTER AND UNLAWFUL PRACTICES.
Product: Debt collection

On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXXXXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. If they would have told me that is not covered I would not have done the procedure. 
Wakefield reference # XXXX
Product: Credit card or prepaid card

I had a delinquency charge on my Citi Credit card on XX/XX/2021. I did not pay this amount because I was disputing it but they told the XXXX credit bureaus that I was late. I did not charge this transaction. I have called Citi every month since XXXX 2021. It is still showing my on XXXX Credit Reports. I want the LATE- PAST DUE amount removed from my XXXX credit reports. I have letter, faxes to Citi and no response on removing it from my XXXX Credit Reports..
Product: Vehicle loan or lease

I returned a XXXX XXXX XXXX +++3 MONTHS EARLY+++ to BMW of XXXX XXXX, about a year and a half ago. The day when I returned the lease, the agent helping me took my credit card to pay the remaining amount remaining on my lease term, plus mileage overage, etc. 

I recently received a letter from them stating that I am no in collections for not paying my lease termination amount .... How can this be possible when I purposely returned it early so I could buy another car. They even took the car, and had it on their lot for 3 months before they sent it back! This is what the agent told me later when I called back to complain about why I am being charged again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE JUST SPENT A WHOLE HOUR ON THE PHONE WITH TRANSUNION TELLING ME THAT THEY NEVER RECEIVED MY PAPERWORK REGARDING A XXXX  REPORTING ON MY CREDIT FILE. I WAS THEN TOLD TO UPLOAD THE DOCUMENTS WHICH COME TO FIND OUT, MY ONLINE ACCOUNT THAT THEY TOLD ME TO USE DOESN'T ALLOW ME TO UPLOAD AT THIS TIME. I'M BEYOND UPSET DEALING WITH THIS ISSUE FOR OVER A YEAR.
Product: Credit reporting or other personal consumer reports

I asked you to verify this account because its showing inaccuracies and inconsistencies, with XXXX XXXX # XXXX Act # XXXX. This is my third attempt and XXXX still showing in accuracies in this account. Please reinvestigate again. And please send me the correct date of last activity. Im showing three different inconsistencies and also, please state where and how you got the correct date.
Product: Student loan

Navient has consistently, ineptly failed to properly service my student loan account in a multitude of ways : 1 ) They failed to withdraw scheduled ACH payments, but subsequently charged me for alleged delinquencies resulting from Navient 's f ailure to make scheduled withdrawals  ; 2 ) Pa yments were misapplied, i.e., the full amount for all loans was paid in a given month, yet that amount was only applied to  XXXX  loans, resulting in alleged delinquencies on all other loans ;  3 )  Advising me that I had set up a payment program that would avoid future delinquencies, only to begin calling me in a month to say that my account was delinquent ;  4  ) Starting  XXXX ,  XXXX ,  2017, ha rassing me and my co-signer regarding alleged delinquencies despite my having paid all alleged delinquencies the prior month on  XXXX   XXXX ,   2017  , and making all scheduled payments for the month of  XXXX  as set up by a Navient employee ; no adequate description of why this occurred has ever been provided, including in a call with a supervisor named  XXXX , Employee ID  XXXX  ;  5 ) Refusing to provide a consistent point of contact ; Navient will typically only provide an employee name, and will not provide any other information permitting you to follow-up with the same person when the advice they provided is faulty ; 6 ) Never offering me income based or any other alternate payment programs ; and, 7 )  Providing notice of alleged delinquencies solely by robocall.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XX/XX/2014. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. XXXX XXXX has sent me several bills in which I have made several payments to. This is a violation of 15 usc 1692b. You are acting as a third party debt collector and I never gave you permission to obtain my information. There isn't a contract between Sentry Credit and I, if so, please present that contract to me with my signature. You will be held Criminally liable Pursuant to 15 usc 1611 and Civilly liable pursuant to 15 usc 1640 for violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called to get my balance and reset my password. The credit card company did not allow me to reset my password or have a reset option sent to my email. They also reported me as not paying since XXXX. There have been several payments since XXXX, there have also been several attempts to login to no avail. The company is engaging in illegal collection and credit reporting. I have proof of payments made over the last XXXX  months and have not been skipping payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act In accordance with the Fair Credit Reporting Chapter XXXX Bankruptcy ( Reference # 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 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
Product: Debt collection

I pay all my bills on time and I find it outrageous that i have a debt XXXX from a company I have no dealings with. I need answer as of why this on my credit report and why I was never contacted about this debt. I called my utilities suppliers and they have no clue of any debt because I again pay my bills on time. I will not take this lightly and I will take legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

old account past the stature of limitations is been put on my account and continue to be updated by Experian and XXXX with current date. Accounts that do not belong to me due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to call with no resolve I am forced to submit this complaint. Experian continues to calculate my credit score AND report to lenders using inaccurate information. Experians website currently notes that my payment history includes 1 payment 30 days late, and 1 payment 60 days late. ( see attached ) ; however, Experian has failed to provide me with the account they are referencing a late payment for. How can you report those late payments, yet can not provide me with the documentation to support the late payments your system is using to suppress my score and flag to potential lenders that I have a recent serious delinquency? This is a violation of the FCRA in that you are not REPORTING 100 % accurate information. This is damaging to me in these times of high interest and extreme scrutiny from lenders. Please provide me with the information including account number, date, and where you are reporting this on my credit file, that supports your reporting of 1 - 30 day late payment and 1 - 60 day late payment. Please note : I AM NOT DISPUTING ANY PARTICULAR ACCOUNT, I AM DISPUTING THAT EXPERIAN IS ERRONEOUSLY REPORTING INFORMATION AND INCLUDING THIS IN THEIR SCORING CALCULATIONS AND WILL NOT PROVIDE ME WITH THE INFORMATION BEING USED TO OUTPUT THE NEGATIVE MARKS PICTURED IN THE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.
Product: Debt collection

To date, Midland has provided several dates which are reaged for the alleged debts. Midland reported on XX/XX/XXXX with various dates with no validation of evidence to substantiate their deceptive actions. All the alleged debts are reaged to compromise the XXXX which expires since XX/XX/2023. There is no contract with Midland and who has been using my private information without my consent. 
" The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another ''.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer 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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 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

On XXXX XXXX XXXX I called Experian and spoke to XXXX in disputes and advised her that i have reviewed my credit report and the same company is reporting the same account just under a different account number. She was not very helpful and told me that the accounts had been verified. I told the representative that all the information on the items are the same and that they just changed there name to XXXX XXXX from XXXX XXXX. She refused to assist me and said that all the information is correct and was very argumentative rather than helpful. XXXX XXXX XXXX XXXX account number showing is XXXX and XXXX XXXX account number is XXXX. the open dates are the same XXXX/XXXX/XXXX, phone number the same XXXX XXXX XXXX just one use a XXXX XXXX and the other a physical address. I know that this is not correct and can not report the same account under different account numbers. I would immediately need the accounts deleted from my credit profile.
Product: Debt collection

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Money transfer, virtual currency, or money service

I added a boost to my cash card for {$30.00} off a purchase of {$30.00} or more anywhere. I contacted cash app to make sure my {$30.00} purchase would qualify many days before the boost was set to expire. I communicated with them that I did not see any information about minimum purchase requirements when clicking on the boost. I asked them, specifically, on multiple occasions whether or not my purchase would be eligible and they would not give me a straight answer. Not until after my boost expired. Then they finally said that the purchase needed to be {$30.00} or more. I wrote in several times asking for this information and they withheld it from me until after my boost expired. I even suggested to them that I felt they were going to wait until after my boost expired then tell me my purchase didn't qualify for one reason or another. I suggested this BEFORE my boost expired. They proceeded to do exactly what I said they would. I don't know what I could've done differently. I made an effort and contacted them several times only to be met with copy/pasted nonsense that didn't pertain to my situation or answer any of my questions.
Product: Debt collection

I have nicely ask for the calls to stop, have put this in writing. Sent proof to the executive assistant in XXXX XXXX. After, I have done all these things, along with all other dates of calls I received a call at XXXX XXXX. I want this harassment stopped, I want to know what my rights are since I have done everything like the rules state. This is not a duplicate it is a continuous of first filing. PLEASE Take Some Kind Of Action. WESTERN SHAMROCK, XXXX XXXX  XXXX.
Product: Checking or savings account

Chime.com I received a few emails said congratulations on a new account being opened, even a debit card being sent to an address ( not mine ). I called the company to report that I didn't set this up, it was someone from XXXX, and wanted to get more of my information to confirm the account was indeed mine, this gave my more concerns and I told them I wouldn't share anymore information to just cancel the account because I never opened it. All they said is they would close the account associated with my email? Not sure if that worked.
Product: Debt collection

On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.