23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my mortgage company states i did not pay 5 months of my mortgage. I have canceled checks from Selene Finance. I called they would not speak to me. told me to mail or e mail a dispute. Meantime they are refusing my last XXXX loan payments saying is not the amount owed. I have submitted the email with cancelled checks, after XXXX more phone calls - customer service states takes 30 days to even review- meanwhile Selene Finance is putting derogatory remarks on my credit for late payments. This is not the first encounter with this company of fraud attempts to default my loan. unfortunately i am unable to refinance due to this company saying i am behind in payments. This company NEEDS TO BE SHUT down.. I am not the only person they mess with. I have researched numerous complaints very similiar to mine on the internet posting regarding this company. I do understand the CEO of this company once was partner in NY firm and attempting similiar issues. I do hope you can help and eradicate this company, and stop this fraud business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries from my credit report. The inquiries in question do not belong to me, and I did not authorize anyone to access my credit information. 

Upon reviewing my credit report, I noticed inquiries listed under my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have no prior knowledge of these companies, nor have I engaged in any business or authorized them to access my credit information. Therefore, I believe these inquiries are erroneous and should be removed from my credit report. Here are the inquiries in question : XXXX XXXX XXXX Dates : XXXX XXXX  XXXX XXXX Dates : XXXX XXXX  XXXXXXXX XXXX XXXX Dates : XX/XX/ XXXX Dates : XX/XX/
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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Mortgage

Green Tree Servicing Mortgage Co. harassed us monthly for mortgage payment. They also collected a XXXX dollar service fee for over the phone pay, for years. They sold our mortgage to Ditech mortgage I received a letter stating they broke the law in many aspects and have been sued. They sent a XXXX dollar check. This is not enough compensation for the money we paid them, and the aggravation and harassment we went threw. I would like to know what I can do about this? I can send bank statements to verify if you need them. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported account opened fraudulent with XXXX and XXXX XXXX send police report and identify theft Truing fixed problem but dont receive repond
Product: Mortgage

SETERUS is the WORST customer service in history of the world. In the dozen of times I have contacted them only twice have they been helpful and address my issues. Mostly they just hang up on me like the last XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX they falsely claimed I missed a payment and the information is on my credit report falsely since then. They keep lying and pushing out the action incentive that was due XX/XX/XXXX. They are clueless and go out of their way to mislead and delay addressing my concern.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime is consistently withholding my direct deposits funds. My payroll does not have delays except for holidays. I have had one time that I called chime to to find out about the delay and while I was on the line with the agent, she claimed that suddenly the deposit was there in my bank. She had released the hold since I called to complain about it. They had it there all along. I am not the only one struggling with no funds. Chime promises up to 2 days early pay which they never commit to. Then they always blame late funds on employers.
Product: Debt collection

I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests for my credit report to Equifax via certified mail on XX/XX/2019 and again on XX/XX/2019 including proof of identity, proof of address, proof of social security number. Equifax has failed to provide a copy of my credit report to this day, XX/XX/2019. In addition, I have attempted to contact Equifax online and over the phone answering all identity verificarion questions exactly as they appear credit reports from XXXX. Representative XXXX, Employee ID number XXXX, refused to provide access to my account over the phone in order to lift a credit freeze temporarily. Same result with supervisor XXXX, Employee ID number XXXX. Neither would explain to me why Equifax will allow mr access to my account and information online nor provide a reason they will not provide any information to my account over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the reinstatement of a credit inquiry that was recently removed from my credit report following a previous dispute. After further review of my credit file, I have come to understand that this inquiry is valid and should be reflected accurately on my report to provide a complete and accurate representation of my credit history. 

While I initially disputed the inquiry in question, I now acknowledge its legitimacy and wish to ensure that my credit file reflects all relevant information accurately, including this specific inquiry. A complete and accurate credit report is important to me, and I appreciate your assistance in reinstating this entry to align with the true details of my credit history. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My auto pay is Not being credited, showing late? Then get fees? Only get automated phone an never able to speak with a REAL Person, just closed account. I suspect Citi Bank scamming customers like me through my Best But card without showing payments made an charging made up an Trumped up charges through bogus Fees like late payment an Interest? I'm on Autopay, Really?! Given them {$400.00} dollars in last month an I'm still in arrears?! This has got FRAUD SCAM written all over IT!
Product: Checking or savings account

Wells Fargo charged me fee two times on transactions and it caused my account to be negative and I had to quit banking with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not worked since XX/XX/2020 due to underlying medical conditions and an essential worker at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has XXXX XXXX XXXX XXXX  we have no income coming in until he returns to the XXXX XXXX which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Debt collection

Regional Acceptance has proven that they are a malicious as a company due to letters from asking Regional Acc If a certain laws would contain to me, could or would help me in this certain situation. The V.P. XXXX XXXX XXXX made a point to me how stupid I was due to laws I had sent to ( bureaus ) not to Regions Acc. or Truist Bank. I never wanted my rights to dispute to end in a degrading manner as it has. XXXX XXXX made it clear to me that I was not intelligent enough to ask for proof of what I was asking for. I received three letters so far from XXXX XXXX that really pertained to bureaus correcting their info and hope there is not more. I am sending a letter to Regional but do not expect much since the V.P. Of Regional Acc has treated me as XXXX XXXX has done. To anyone that is trying to verify information through Regional Acc or Truist Bank = BEWARE! This lady XXXX will degrade and make a point that your rights means Nothing!
Product: Credit reporting or other personal consumer reports

Good afternoon! I made XXXX payments of {$400.00} to this card in the month of XXXX and it does not appear on the credit report. The amount owed does not match the current amount.
Product: Debt collection

There is an unknown account listed which I have disputed and requested validation which came back to me in the mail. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE ( XXXX XXXX  XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.
Product: Credit reporting

Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in XXXX since XXXX XXXX until to date. As I 'm planning to visit XXXX again, I tried to activate this card online recently, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to all credit reporting agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area or in the XXXX during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue.
Product: Vehicle loan or lease

With my XXXX XXXX company I kept them informed on my situation ( job loss ) and made partial payments when I could. Every time I made a payment nobody at the company told me partial payments do not count it counts as a late payment and will eventually lead to me losing my loan. I only found this out when I was again going to make a full payment this time. I was only behind a small amount and was going to pay it in full to catch back up since I have a job now. And they told me they sent it to collections. I told them that no one told me this I have receipts they can see it as well and they told me. I can pay my loan in full. Pay a large amount for 3 months or sell it trade it or refinance and refund is not an option for me currently since my credit is also in a bad spot. They are u willing to reinetate my loan after I told them I can backpay everything right now and is making things extremely harder than it can be. They also won't defer a late payment to help me pay nothing. They also keep negatively impacting my credit by submitting the claim continually almost everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with Discover Bank. During 911 I became unemployed and went into an agreement under the Obama debt forgiveness with Discover. I paid all payments on time. Discover is reporting as a negative on my credit because it was less than balance. However, I received a 1099 and had to report as income on my taxes. Therefore this account is paid in full.Discover needs to delete. At no point was their a disclosure that if I paid an agreed amount that there would be a negative reporting. Discover later also had a class action suit where I received a check for overcharges.They are in violation of false reporting. I have emailed them on numerous occasions and s. Discover needs to remove the derogatory information and reage my account to current.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Debt collection

I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. 
I never recieved an invoice, bill, collection letter or anything. 
All I recieved was a phone call from an agency asking for my social!!
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX, I presented a cashiers check at a Chase branch on XXXX XXXX in XXXX XXXX, GA. Despite the fact that the issuing financial institution confirmed the validity of the cashiers check on Thursday XX/XX/XXXX as well as matched, paid and cleared via Federal Reserve to Chase ; Chase has refused to release the funds. This has caused significant inconvenience, undue hardship, has impacted pending transactions and left us deeply troubled by the banks handling of this matter. 

To make matters worse, when assistance was sought from a supervisor, named XXXX, we were met with rudeness and condescension. The supervisor informed us that there was no immediate resolution available and that another XXXX would not speak with us for at least 2 days, pending an email be sent requesting the assistance. XXXX, the supervisor, brassily stated that it did not matter that we consulted with the Federal Reserve, CFPB or even the Resolution Management team with the Issuing Bank to assist in validating the Cashiers Check ; because no funds would be released due to it being a paper note therefore a high risk of fraud. We asked to speak with management for assistance again ; but was told that no manager is available ; however, we could receive a return email within XXXX business days, which is an unacceptable response to a matter of this seriousness. 

Most disturbingly, the supervisor, XXXX, explicitly stated that Chase does not care about our status as a customer in good standing for over a decade because the account was only 4 months old and there is no recourse for Chase to recover funds in the case of fraud, even though we continued to softly comment weve been accountholders since XXXX with Chase. XXXX, next stated that the checking & savings account and relationship with Chase for 10 years doesnt matter. 

This situation is not only alarming and unprofessional but also deeply disheartening. As a loyal customer, we expected to be treated with respect and consideration, especially in matters as significant as the release of funds from a valid, cleared, matched and paid cashiers check. Finally, on today XX/XX/XXXX ; XXXX was asked what the funds were for and why a cashiers check of a large amount was presented to the account? This is XXXX! 

We requests immediate action to resolve this issue and to release the funds without further delay. Additionally, she expects an apology for the rude and dismissive treatment received. She also urge the XXXX to review the customer service practices at Chase to prevent such incidents from occurring in the future.