23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind abouXXXX XXXX XXXX over the last several years due to loss of inmcome ( due to XXXX  ) and unforseen household expenses ( replacing washer/dryer, hot water tank, refridgerator ) I did recieve early in the XXXX  process a short term stop on paying my mortgage however other bills mounted ( gas, electric, ) I also lost a majotr source of income when I lost my spouse in XXXX to XXXX. I have tried for a new modication or payment plan but was denied due to the fact that my wife and my names are on the deed. I just secure from my XXXX. a quit claim deed w/ my name only. XXXX deed has been signed, notarized, and faxed to the loan service compamny
Product: Debt collection

I sent a letter to Mendelson Law Firm on XX/XX/2018, asking Mendelson Law firm to contact my Attorney and not contact me directly again. I provided my Attorney s contact information in the letter.The letter was sent certified mail with a tracking number. The letter was delivered On XX/XX/2018 at XXXX to their address. Mendelson Law Firm has not tried to contact my Attorney. I was recently sent a letter about disputing my debt with this firm. My rights are being violated.
Product: Credit card

I first filed a fraud report with Barclays XXXX XXXX XXXX in XX/XX/XXXX when someone purchased an XXXX stubs subscription on my card for {$90.00}. They told me the charge would be removed and that I was good to go. However, on XX/XX/XXXX I received an email saying my payments were late and I was getting charged fees on top of the {$90.00} payment that I never made. I have since been on the phone with the XXXX XXXX XXXX department 7 times for no less than XXXX minutes each call with no resolution. They continue to lie to me about the status and what they can do for me. When I asked if I made a payment, would it be refunded to my debit card upon completion of the second round of fraud investigations, XXXX XXXX employee # XXXX ) told me that they could do it instead of credit in the account, I quickly found out that that was a lie. I am at XXXX XXXX where the {$90.00} fraudulent charge is now going to cost me {$120.00} and am being told it will be at least another XXXX months and countless more late charges and hits to my credit for them to reach a conclusion. I am now just paying for it as my time is worth more than calling them again but they are stealing from me and I needed to report it.
Product: Checking or savings account

My name is XXXX XXXX and I am filing this complaint as conservator for my grandmother XXXX XXXX. I currently have a conservatorship account under both of our names that is under the supervision of the count. 

I am filing a fraud claim for account # XXXX XXXX XXXX. 
I have been unable to marshal funds from this account into the conservatorship account even after filing a complaint and going in person to several bank branches ( XXXX XXXX, XXXX, XXXX XXXX, XXXX. ) The court ordered to revoke the Power of Attorney XXXX XXXX and to be removed as POA at all financial institutions as she was mismanaging and pocketing funds from XXXX XXXX. I was appointed by the court as XXXX XXXX ' XXXX XXXX of both person and estate as she has been declared legally incompetent. These orders were listed in the letters of conservatorship by the court and submitted to Bank of America. XXXX XXXX is aware of the conservatorship in place for XXXX XXXX and was ordered to not make any further financial decisions. 

It has come to my attention during a court ordered accounting of the funds for XXXX XXXX that XXXX XXXX has illegally transferred the remaining balance of {$2700.00} into her personal account. In the past I made several attempts to marshal these funds into the conservatorship account with no success. The bank branches lack of knowledge on conservatorship accounts is the primary reason I was not able to withdraw and protect the funds. I would like to proceed in filing a fraud claim as these funds were taken from a legally declared incompetent and XXXX  individual. I appreciate your timely attention on this matter. 

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

A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I filed a complaint with Experian about a account XXXX XXXX XXXX XXXX # XXXX you're continuously reporting inaccurate information violating my rights.. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?. the phone number is disconnected and the address is incorrect. delete this account its not mine.. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Checking or savings account

I used my card to many times trying to get my money out of this account and they at that point said I Need to verify my identity and that's silly I had already so I told them to close it and send me he money that Was in that account I haven't hear a word. They kept my money and it's been almost a year ...
Product: Debt collection

Requested that JPMCB AUTO provide debt valuation and they have refused. 

JPMCB AUTO XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was taken care of with the property management Integrity Asset XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either Integrity Asset XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.
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 4,96 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/2016  that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Product: Money transfer, virtual currency, or money service

I was gifted a venmo greeting card with XXXX  code for to obtain {$1000.00} for my graduation on XX/XX/2024. I created a new account as I also just turned XXXX on XX/XX/XXXX and needed XXXX in order to access the monetary gift. Upon creation of the account, my access to the funds was immediately frozen. I was requested to submit verification of my identity, which I provided 2 times and each time my account was immediately frozen before I was able to access my funds. Today, I received an email that my account was permanently suspended and the funds I had been gifted ( {$1000.00} ) are going to be held up to 180 days, leaving me with absolutely no money for no reason. I implore you to assist in compelling this company to release my funds within a reasonable timeframe or further escalation of the matter will be necessary. Thank you
Product: Mortgage

I'm writing to express my extreme displeasure with the processing of our loan over the past few months. Our loan process started back in XXXX when we were pre-qualified for a loan on the purchase of a new home. After not hearing from anyone till about 3 weeks ago, I contacted the loan processor to check on our loan and he advised me to email the loan officer to check the status and to get an update. I never heard from anyone till last Friday, XX/XX/XXXX. The processor called and said we needed to get paperwork in asap and I got on that within hours of him contacting me. Then on Monday I was advised that we had to get certain paperwork in or we could not close on XX/XX/XXXX. Penfed knew our closing day was XX/XX/XXXX and that everything needed to be in so we could close and yet I was informed on Tuesday that one paper was not filed on Monday so we could not close on XX/XX/XXXX. Isn't it a requirement to stay in contact with us in a certain amount of time? Reg Z I believe explains the expectation. I'm pretty sure that has been violated during this loan process. So we were going to close on the XXXX and move our stuff into our new home over the weekend. We even had family coming with trucks to help move and now that can not happen because of someone dropping the ball at Penfed. We now have to have our movers move more stuff, which will cost us more money and we have to rent another truck to make up for the fact that our family can not come on Sunday. If I was not clear at the beginning, I'm extremely disappointed. Penfed needs to make up for this in some way as this is entirely your companies fault that I now have to put out more money for my move and now am extremely stressed out due to no fault of my own. I feel that Penfed should pay for our extra costs we are incurring and give us a lower rate or pay our closing costs to make up for this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transferred my Mortgage to XXXX XXXX XXXX  XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX  a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA XXXX  XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX been set up until AFTER legal services intervened. They have also reported that my XXXX payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. XXXX are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to discover inaccurate accounts on my credit report, and I can't understand how they ended up there. I regularly check my report, and everything has always been accurate until now. I tried refreshing my browser, thinking it might be a simple malfunction, but the errors were still there. I'm asking that the documents I've sent be thoroughly checked, so I never have to deal with this kind of XXXX  again.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  ACCIUNT # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX  Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX  ACCOUNT # XXXX   Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items 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 XX/XX/2023 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by GM financial to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and GM fininacial refuses to give me updated information.
Product: Vehicle loan or lease

I financed a vehicle through a car lot the car lot sold the loan to MAF. I requested the original contract from MAF ( Mid Atlantic Finance Company ) I was told it would be sent to me and I never received the documents. Payments were on time because they were set up on Automatic payment drafts from my account, now the vehicle is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the XXXX hack, TransUnion has concealed the option to freeze my account and placed it at the bottom of the web page. In addition, I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Debt collection

For a number of months, I've been receiving several calls daily during the week from the same phone number. This phone number changes on a weekly basis. The caller name NEVER appears and the caller NEVER leaves a message. I have never answered these calls. 

When I XXXX these phone numbers the source is always 'National Credit Adjusters ', supposedly a debt collection agency. I have NO debt and have maintained a consistently high credit score for many years. I monitor my credit report through several credit monitoring agencies and in addition to no debt, there have been NO inquiries on my credit record. I'm not sure how they got my phone number, but this is obviously a case of mistaken identity. 

This so-called company does not identify itself or leave phone messages. Based upon the comments of others, National Credit Adjusters attempts to verbally intimidate consumers into paying non-existent debts, debts they no longer owe, or far more than the amount owed. During the summer, your agency received a settlement of hundreds of thousands of dollars from National Credit Adjusters company for engaging in unlawful debt collection acts and practices that harmed consumers. I have no intention of communicating with them and becoming their latest victim. 

I want these phone calls stopped. It would be nice if the company could be put out of business for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX of XXXX RE : XXXX Dear XXXX XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : 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 must 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 must 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.
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. I did not receive a bill regarding this payment. I was approved for financial assistance and I thought that was it. If I would have known about this bill I would have paid it being that this is the only derogatory mark on my credit history. If I pay in full could you PLEASE remove this derogatory mark. I honestly didnt know about this.