23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have received NOTHING by mail but XXXX has apparently transferred our mtg without proper notification. I already scheduled my payment for XX/XX/XXXX online through the XXXX XXXX page it is their only option to pay online as I have since they started handling the loan. Top of page had red letter heading about IF YOUR LOAN WAS TRANSFERRED ... So when done I went to my email acct and logged in today XX/XX/XXXX and In an Email dated XX/XX/XXXX XXXX XXXX so at earliest if I checked emails everyday I would have recvd it XX/XX/XXXX I find a notice from XXXX saying they are transferring our loan as of XX/XX/XXXX. WTH? 
That is a 1 week notice for something as BIG as Changing where we send our Mtg payments? And NOTHING IN WRITING IN THE MAIL? And I am supposed to send my payments to Mr. Cooper DBA as Nationstar Mtg? This does not even sound real OR Legit, Mr. Cooper DBA? 
This is the email I received. 
XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX is the servicer for the loan ending in XXXX. 
You should have received a Transfer of Servicing Notice from us indicating that, effective XX/XX/XXXX ( " Transfer Date '' ), the servicing of your mortgage loan will transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ). 
This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 
Nothing about the terms of your mortgage loan will change. You should receive a letter after the Transfer Date from Mr. Cooper with your new loan number, additional information and instructions for setting up a new online secure account at www.mrcooper.com. In the meantime, you can find additional information on our website here. 
If you have not made your XX/XX/XXXX payment, you can still make your payment quickly and easily online until XX/XX/XXXX. Remember, all payments made on or after XX/XX/XXXX should be made to Mr. Cooper. 

Sincerely, Seterus , Inc . 

They say after XXXX won't even be able to access documents, but only documents available are tax XXXX no other files for transfer from B of A or anything have anything in them now ... 
XXXX provides no number for live contact via phone or email ONLY an address for sending LETTER. 
We have not been provided any phone numbers to call the new company either. 
Is the GOAL to stress and worry homeowners? I mean seriously I am supposed to pay My Mortgage to www.mrcooper.com?
Product: Checking or savings account

My Capital One savings account was closed due to some fraud in my account. Capital one told me that they would be mailing my savings money to me via a check. I asked the bank to change my address before sending due to our mail system being down. They sent first check without changing the address and claimed it was mailed out on XX/XX/XXXX. I waited 10 business days and the check never arrived. 
I called again around XXXX and thats when Capital one said they would mail another check to me since they could see that the first one had not been deposited. 
Then I called on XX/XX/XXXX and said I had not received the second check. The manager told me that I would receive and email to determine if an affidavit was needed or not. Then they would go through with canceling the check before sending on another. 
When I called a fourth time on XX/XX/XXXX, to inform them that I had not received an email, they told me the conversation with the manager had not been looked at or processed. They also made a note that I would prefer to have my funds transferred to an external account. 
I received an affidavit via email on XX/XX/XXXX, but my lawyer instructed me to not sign it. Together, my lawyer and I called capital one on XXXX, because they would not speak to my lawyer without my presence. The exchange lasted over two hours, we were transferred to four different people, placed on hold for a total of 45 minutes, and were told that a new check would be expedited to a new mailing address within 5 business days. After five business days, I still never received my savings check. My lawyer and I called again on XX/XX/XXXX and the employees continued to go through the same process to sending another check in the mail. After we repeatedly asked for a new plan of action for about an hour, we were transferred to a manager, who had no knowledge of recent events and hung up on us before a course of action was determined. This was the last communication I have had with anyone from Capital One banking.
Product: Debt collection

Received a call at XXXX XXXX on XXXX XXXX 2017 which woke me out of my sleep. Did n't recognize the number did n't answer. Caller ID had it as XXXX XXXX XXXX XXXX. Further investigation discovered that it was a spoof number for FAMS ( Financial Asset Management Systems ), a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous complaints against Transunion and XXXX and have demanded compensation and my complaints continue to get ignored. The CFPB isn't holding Transunion or XXXX liable for damaging my credit report for failure to verify and delete an account for inaccurate information.On XX/XX/2023 Transunion removed the XXXX account because XXXX wasn't able to validate this account and because of the inaccuracies and the continued reaging of this account. I'm entitled to {$1000.00} per violation and reinstatement of an account is a serious violation. Transunion has been violating my rights for XXXX months as verifiable by multiple complaints and disputes that have been ignored. There have been a minimum of XXXX violations per month as the pictures uploaded will prove. Transunion needs to be held accountable and needs to pay me {$4000.00} per month times XXXX  months and not be allowed to submit a computer generated response. Transunion has a history of repeating the same generic response and XXXX isn't able to validate or verify this account as demonstrated by the last complaint but they continue to lie and negatively affect my credit. My credit dropped XXXX points because of the fraudulently behavior caused by XXXX and Transunion.
Product: Credit card or prepaid card

I called today to try to get a better interest rate or offer in order to pay down my credit card. I was told that I needed to be transferred to hardship department when I finally got someone on the line they said I would need to call back because their computer went down. For the past several months all my payments are only paying off interest and although I make payments they never give me a better offer to assist in actually paying off the balance.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. This is a formal complaint that Convergent Outscoring & XXXX have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to make a consumer credit transaction. TRANSUNION is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report. 

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made TRANSUNION aware of the inaccuracies and by law they need to correct and update it.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

XX/XX/2018 Cease and Desist was sent to address listed on company letter head, I am still receiving calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
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: Debt collection

I trust this letter finds you well. I am writing to you as a valued customer to address a matter of concern regarding the late payments recorded on my account. I have recently noticed that there have been late payments recorded on my account. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with CALIBER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the CALIBER customer service representative. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Debt collection

Duplicate reporting with different balances : Account # 1 {$170.00} Balance XXXX Original Creditor {$170.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Account # 2 {$280.00} Balance XXXX Original Creditor {$280.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks Account # 3 {$610.00} Balance XXXX Original Creditor {$610.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility XXXX Account # 4 {$72.00} Balance XXXX Original Creditor {$72.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility XXXX
Product: Mortgage

I have submitted an earlier complaint. Compaint XXXX which has been closed. I thought that the CFPB was created to make sure that banks, lenders are treating people fairly??? I do not understand how banks can get away with such fraudulent practices. This is a UNITED STATES VETERAN with PRIVATE CONVENTIONAL LOAN. They have misrepresented to the CFPB what is actually going on and you are just allowing these practices with no actual monitoring of their practices. So what does the CFPB actually do???? What are your guidelines when a seller is facing foreclosure and a loan is being serviced released??? Why are these regulations not being enforced? You do not enforce your regulations?? How is this making sure that banks are treating AMERICAN VETERANS FAIRLY????
Product: Money transfer, virtual currency, or money service

This is regarding Venmo. 

A friend mistakenly sent me {$400.00}. Once I saw this, I sent it back immediately. In that timeframe, she panicked and disputed the transaction. This caused Venmo to charge me {$12.00} for a disputed charge, causing the {$400.00} to become insufficient to send back to her. I had {$88.00} in my account and now Venmo has taken my funds. I dont know where they are or if Ill be getting them back. They are ignoring all my emails. It is now about day 25-26. They conveniently dont have any phone customer service. I have text messages from the sender and she is trying to email Venmo on my behalf as well, but has yet to receive a response. 

Her account has been rectified and is ready for use with no funds being taken from her. Im not sure how I have been wrongfully punished for a simple mistake. 

Please help me!
Product: Debt collection

LVNV Funding LLC/ Resurgent General Disputes/ Correspondence XXXX XXXX XXXX XXXX, SC XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Ref Code : XXXX This company has been sending me collection notices in the amount of {$2100.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

they keep saying that these accounts are mine without any prove. I have no idea what these accounts that are being reported on my credit report are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account: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 an account without my written instructions.

This account is fraudulent account, I do not open account with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XX/XX/XXXX which took care of what I was past due prevously. I told him that I could go in on the XX/XX/XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.
Product: Credit reporting or other personal consumer reports

Capital one claims that they are reporting accurately however there are XXXX problems with this statement. The first is that on my consumer reports, it shows that they did not conduct an investigation as XXXX different consumer reports are reporting differently. See attached exhibits. This is a complete violation of the Fair Credit Reporting Act. Additionally, they have never sent me mail in writing that they were going to furnish negative information on my consumer report. If capital one believes otherwise then I demand to see proof that they sent me a written notice via certified mail green receipt bearing my signature 5 days prior to furnishing this false negative information pursuant to 15 U.S. Code 1681s-2 ( 7 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed TRUIST BANK a letter via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX regarding a charged-off account being reported on my consumer reports. I have requested that this charge-off be removed due to the IRS clearly defining a Charge Off as GROSS or ORDINARY income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes TRUIST BANK/LIGHTSTREAMs reporting of this account inaccurate. I also asked TRUIST BANK to provide me with the 1099-C Form that TRUIST BANK/LIGHTSTREAM should have sent when they filed the account as a canceled debt. 

TRUIST BANK responded and totally ignored my request and continues to furnish negative information on my consumer reports. This is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2018, there was a hard pull on my credit report from the XXXX dealership, and I've never applied, financed, or leased to get any car from that place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal has been reporting late payments on my Auto and personal loan after they said and sent me a letter saying that my account was in deferment and the original term of my loan was extended. But added 30 days late on all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Once more, thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts that have been identified on my credit report. I am a victim of a data breach and identity theft, and I am requesting that these accounts be blocked and permanently removed from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find below the details of the fraudulent accounts that I have identified : XXXX Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6500.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3600.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4400.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I called XXXX and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my XXXX credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.
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, violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.