23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2006 we refinanced our mortgage and entered into XXXX mortgage loan agreements with XXXX XXXX XXXX XXXX. The XXXX loan was for {$560000.00} at 6.375 % interest for 30 years. The first 10 years payment was to be interest only. The XXXX loan was for {$88000.00} at 8.297 % for 14 years 11 months with a balloon payment on the last month of {$69000.00}. 
The loans were subsequently sold to Washington Mutual Inc. ( WaMu ) who also sold them to Chase Home Finance, our current mortgage company. 
When we first signed with XXXX XXXX XXXX XXXX, we were made to believe that at end of the first 10 years, we would revisit the mortgage interest rates and we would be given the rates that would be prevailing at that time. So we took the gamble and hoped for the best. 
XX/XX/XXXX, which was the end of the first 10 years, we were hoping that Chase would let us know our new interest rates for the remaining loan period and we were hoping that it would be lower than the 6.375 % as the current market rates are markedly lower than what we are currently paying. When they finally called, it was to let us know that we would continue paying our mortgage at the same interest rate as we were before. 
We have struggled to keep up with the mortgage payments with the hope that at the end of ten years we stood a chance of getting a lower rate. One of us is XXXX now and is on fixed income. The one can not pay the new mortgage amounts required. If the interest rates and or the principal were reduced, we think that we could manage. 
Our house is currently underwater or upside down so none of the mortgage companies will even give is second look if we were to approach them looking to refinance. Much as we have kept up making our monthly mortgage payments, we could not refinance our loan like our neighbors did when the government offered relief to people whose homes were underwater like ours. Our loan was not owned by either XXXX or XXXX XXXX!! Some of our neighbors had their principal loan amounts reduced quite substantially and their interest rates on the revised loans cut in half! We have asked for but have received no relief from Chase! 
We have persevered rather than default on the loan as the one who is working holds government security clearance and if he/she defaulted, it would result in a loss of both clearance and employment! We are really in a catch twenty two! We have no way out other than pray to Chase for relief and mercy.
Product: Credit reporting or other personal consumer reports

I am attempting to obtain a mortgage loan. The bank requested my credit scores from all three credit agencies XX/XX/2024. Only XXXX posted my scores. I assumed my freeze on the acct was to blame so I unfroze everything for approx 7 days. ( twice actually ) During this time a credit check was made, and again even though the accts were unfrozen they did not provide any score. I have had auto loans and a long credit life however they came back with a statement about me having no credit history-that is a lie. XXXX had a score reported for me on XX/XX/2024 of XXXX, and the others are hiding my score, they want money to access my credit, and will not report my scores to authorized people I had pull my score. I have all freezes lifted permanently now. 
XXXX is blocking me from accessing the website, they say I have to call, I do and get a phone tree with no resolution. I am still unable to access my account after several calls. Again, the XXXX are not reporting my correct credit either, they claim I have none despite a long auto loan. 
I believe that XXXX and Experian companies are extorting people for money to have their credit scores accessed. XXXX XXXX has scores up, but no one will use them.
Product: Credit reporting or other personal consumer reports

XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked.

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services.

My intent is to sue if said issues are not resolved.
Product: Mortgage

We have been attempting to do a short sale. It was previously approved by the investor at a lower price. The buyer could not get financing due to visible BLACK MOLD in the property. New Buyer at same price and the bank stated that the value came in much higher due to market condition but the mold has not changed. They stated the new appraisal came in at XXXX even though it is 9 months later provided two mold reports. Contract price is XXXX and has about XXXX in HOA dues and the bank wants to net XXXX. Even at XXXX net with required closing costs per XXXX XXXX County we can not net this amount. At this price it would require a contract over XXXX which does not make any sense and does not even include the HOA recorded lien. The investor keeps stating bring a higher offer and we keep getting lower offer due to the mold. The condition has gotten worse not better
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

IIn 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 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: Money transfer, virtual currency, or money service

I noticed after watching a XXXX video about XXXX Paypal 's practices that they stole referrals from online e-commerce shopping. I then noticed XXXX  Paypal even though it wasn't logged in on my new computer was still overriding shopping trips I had activated from XXXX XXXX Shopping and XXXX. Below is a list of incidents and amounts XXXX stole from me. 

XX/XX/year> XXXX : I activated XXXX XXXX Shopping to get 6 % off online orders. XXXX credited itself without my permission or being logged in and recorded the sale. ( Screenshot provided ) XX/XX/year> XXXX : I used XXXX  XXXX Shopping to get 2 % back from XXXX. XXXX credited itself without my permission and gave me 1 % back. ( XXXX XXXX  ) XX/XX/year> Fanatics : I used XXXX XXXX Shopping to get 11 % back from Fanatics. XXXX credited itself without my permission and gave me 2 % back. ( XXXX XXXX  ) XX/XX/year> Fanatics : I used XXXX XXXX Shopping to get 11 % back from Fanatics. XXXX credited itself without my permission and gave me 1 % back. 

XX/XX/year> Fanatics : I used XXXX XXXX Shopping to get 11 % back from Fanatics. XXXX credited itself without my permission and gave me 3 % back. 

I believe Paypal XXXX is brute forcing its referral and coupon codes even without users being aware it is logged in and activated. I had no idea it was stealing from me secretly as it wasn't logged in on my new laptop and had been activated other than being attached as a browser extension on my XXXX user setup.
Product: Mortgage

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report. 
SHELLPOINT MORTGAGE ( XXXX )
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 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 ( 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 redres : for these violations.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX on behalf of the original creditor, XXXX, on my credit reports with XXXX, Equifax, and XXXX. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue : Inaccurate Reporting : Date Reported : XX/XX/XXXX Balance Owed : {$360.00} Status : The account is being reported as unpaid and {$360.00} past due as of XX/XX/XXXX. 
Steps Taken to Resolve : XX/XX/XXXX : The account was assigned to XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : The balance was reported as {$360.00} past due. 
Dispute Letters Sent : Date : On XX/XX/XXXX, I sent a dispute letter to XXXX requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to Equifax, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to XXXX with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for XXXX : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX, and XXXX XXXX XXXX XXXX XXXX. 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with XXXX, Equifax, and XXXX. 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these account, that has damage my credit record. Please note these incident for future references.
Product: Debt collection

On my credit report, Enhanced Recovery Company has a collection from XXXX XXXX XXXX for the amount of {$510.00} as of XX/XX/2015. I called and they said there is no information that they can give me besides the account holder 's name and address. The name is not my name and the address is not mine either. 
I have called XXXX XXXX XXXX and all their affiliates, they confirmed that there is no current or past account holder with my name, address or SSN.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/2024 REPORT XXXX XXXXXXXX PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Credit reporting or other personal consumer reports

Equifax continues to all XXXX XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.
Product: Consumer Loan

I was unknowingly charged and excessive amount of interest for a installment loan of 391.93 %. The company was not willing to help me and tried to take unauthorized money from my account under a different name. I was never sent the loan documents to sign, just a i agree button with no interest information included. I was never provided the loan documents until I threatened to file a complaint
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was a {$6.00} or so interest that moved over from the previous month after I paid my card off and honestly did not know there was a balance. I contacted you guys and paid my card off right away.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor 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 Balance Owed : {$14.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; 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

XXXX XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted XXXX XXXX services and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX  Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX  loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of FCRA Section 623. 

XXXX and Experian knowingly facilitate this. After failing to achieve effective communication with my loan servicer I have also tried to have these errors corrected directly with Experian, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company XXXX  DBA Open-End XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Today XXXX 2023 I tried to withdraw XXXX XXXX from the atm from a card given to me by my employer an the atm told me my creditor denied my transaction so atm didnt give me any money but as soon as I check my account info with the bank It has stated it had been withdrawn. I proceed to call both companies the atm an this card witch isnt even a bank. ( wisely ). First the atm group said contact your bank XXXX ask for a regulation XXXX email to send to us. I then call wisely my card, for them to tell me it takes 45days minimum to resolve this an they in willing to work with the atm ppl to resolve this issue asap. I had talked to 3 employees at wisely 2 people to get told theres nothing they can do. So I call again an the agency then tells me they can try to email me then hangs up on me I feel as if there trying to scam me