23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This text entry field doesn't retain any original formatting which I've used to make my story easy to read. I'm including a PDF in the attachments called " What Happened '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The same complaints were mentioned the Nationstar 's XXXX  class action settlement. Their behavior hasn't changed. 

In short, I agreed to a loan modification offered by XXXX XXXX XXXX that Ive been paying on for the last year that every human I've talked to, except for XXXX, agrees I have. But it still hasn't been registered in the system and the system keeps telling me that Im getting more and more delinquent. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After a year of being assured by everyone I've talked to that the system just needs to " update '', my final specialized representative XXXX XXXX who I was " escalated '' to, refused to actually look into fixing the problem. He wanted to just ignore my modification and steer me into a brand new one at double the rate for {$600.00} more per month. The only options left to me with are to come up with {$19000.00} to get my old pre-mod loan back or foreclosure. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The details are in the attached PDF " What happened ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, TransUnion and XXXX  sent a response letter but XXXX  never got back to me. At that point, I sent a letter to XXXX  warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. XXXX  has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet TransUnion and XXXX  failed to do so.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. It shows a late payment on my XXXX XXXX account for XX/XX/2024 ; however, this payment was made on time. XXXX correctly reports this payment as on time, but Experian inaccurately reports it as late. Consumer reporting agencies are required to report all information with complete accuracy. This account has never been late. 

I am requesting an investigation into this matter and an immediate update to reflect the correct payment status, ensuring that Experian aligns with XXXX accurate reporting. Thank you for your prompt attention and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$36000.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

Everytime I have an issue with a merchant and dispute the transaction for valid reasons Cash App denys the dispute. Today XX/XX/2023 I contacted Cash app as instructed by the app to do so, I spoke with rep who only confirms that dispute was filed and denied but doesnt provide info as to why. I explained in both instances it was a scam and that no product has been provided as promised and when researched no other information to contact both merchants are listed. I asked if Cash app denied dispute what contact info to these merchants has been provided or confirmed which rep had no clue. I asked to speak with supervisor about the matter which he stated one would contact me by email. I wasnt provided any contact info and no refund of my purchase since my dispute was denied with no indication of how this decision was made,
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$460.00} XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$160.00} XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Attempt to login for online access, Bank of America. Couldn't receive the authorization code by phone and it appears that the website has met an unpropitious glitch meaning I can't be emailed the code.
Product: Debt collection

World Finance is reporting on my credit as being charged off as well as late payments for 48 months. If an account is charged off then it is considered closed and therefore no late payments should be reported in addition. This account has already been written off and yet the company is still reporting late payments as if the account is still open. While I do understand that some of these late payments are legitimately being reported, any late payments after the account was charged off is fraudulent. An account either needs to be open with late payments being reported or charged off with only late payments prior to charge off date being reported. It can not be reported as both. I have made numerous attempts to resolve this and even offered to pay the account in full if they removed it from my report. They refused.
Product: Checking or savings account

Do I went to a Bank of America atm to deposit cash XXXX dollars and there was a Error and I have now been calling for 5 days with no type of response or credited amount to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX XXXX : {$2900.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards. 
XXXX XXXX XXXX Balance : {$16000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$15000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved fraudulent items on my account. I am deeply concerned by the lack of resolution and the ongoing presence of these inaccuracies. I have diligently followed all required procedures, providing detailed documentation to substantiate my claims of fraud. Despite these efforts and numerous follow-up communications, the fraudulent items remain on my account, causing significant financial and emotional distress. The persistence of these fraudulent items is unacceptable and undermines my confidence in your institution 's ability to protect my financial interests. It is imperative that this issue be escalated within your organization to ensure an expedited and thorough resolution. The following items should be remove as soon as possible : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting or other personal consumer reports

incorrect information about my address in which I am unaware of these addresses and I have never lived at these addresses that are fraudulent and are affecting my credit report, I sent them proof of my correct address so that they would eliminate the incorrect and fraudulent addresses and I am unaware of those addresses. It's been more than 90 days and I don't see a solution to my problem regarding my address correctly, so I want it to be resolved soon.
Product: Checking or savings account

On XX/XX/2022 I made a {$320.00} all cash deposit at their ATM. This took place at TD Bank XXXX XXXX XXXX in XXXX XXXX  My checking account shows they put a deposit hold on {$200.00} of my money. The receipt I received that day says " forced deposit ''. The ATM machine did not give me the usual option of asking what, cash or check or both, and how much I was depositing. It knows I deposited {$320.00} because it counted it and the receipt shows that. 
The bank has no reason to do this to someone who has deposited much larger amounts of cash in the past with no problem and has been a loyal customer for several years. 
The ATM obviously has a defect and I'm paying the price. I want my money and this whole situation cleared up. I also want them to pay any fees incurred to my account for going below the monthly minimum of {$100.00} if that happens because of their machine 's mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.
Product: Checking or savings account

received a payment from a customer on XX/XX/XXXX. Square held my funds until XX/XX/XXXX then froze my funds and shut my account down the moment it was time to release my funds, for no reason. I am traveling with children and have payroll to complete and now i cant pay staff. They have stolen thousands of dollars from me and now they are saying it will be XX/XX/XXXX before im able to access my funds. 
I asked them to simply refund my customer so i can have them wire us the funds for the services they are currently receiving. 

They refuse to do so and have told me i will need to wait on an email from them and that they have no other options for me. How is it that they can basically steal business owners money? If they suspected fraud, why has my account been open and why did they accept the funds? Why have they allowed me to spend money? 
The moment they saw an opportunity to snatch money from me they took it. They even froze the funds i already had in the account and claiming Fraud as an excuse to steal business owners hard earned money. THEY ARE A COMPLETE SCAM AND THERE ARE MANY BUSINESS OWNERS EXPERIENCING THE SAME THING. ITS THE HOLIDAYS AND I HAVE A BUSINESS TO RUN. I WANT MY MONEY NOW! THEY HAVE ABSOLUTELY NO RIGHT TO KEEP MY FUNDS.
Product: Credit reporting or other personal consumer reports

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

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : XXXX XXXX XXXX. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}
Product: Mortgage

For some six months past the due date, XXXX Housing and Finance Association ( IHFA ) failed to pay the XX/XX/XXXX property taxes on a home purchased from me XX/XX/XXXX. This resulted in interest and penalties being imposed ; the permanent slander of my name and financial status ; the loss of a property tax deduction for the buyer ; and many hours of labor by myself and others to rectify the situation. 

Elaboration : IHFA 's client XXXX XXXX XXXX purchased a house from me on XX/XX/XXXX. XXXX realtors, a title company and an escrow agent, all duly licensed, facilitated the transaction. XXXX law requires use of an escrow agent and payment by the seller of prorated property taxes at closing. This was done. The attached XXXX XXXX XXXX shows I paid {$670.00} in prorated property taxes at closing. XXXX law also requires that a XX/XX/XXXX seller 's name remain the name of record for XX/XX/XXXX property tax purposes and that the buyer notify the County Treasurer and Assessor of a change in ownership. The XXXX and XXXX halves of XX/XX/XXXX property taxes were due XX/XX/XXXX and XX/XX/XXXX, respectively. IHFA failed to pay any tax by these dates. On XXXX XXXX, 2015 I received a notice that I ( the seller ) was delinquent in the payment of the property tax. Furthermore the County Treasurer lists on its public web site that I have been delinquent, slandering my name and financial status. See attached documents. My XX/XX/XXXX HUD-1 Settlement Statement shows that the lender was Primary Residential Mortgage of XXXX XXXX XXXX, XXXX. But after many hours of speaking with the parties involved, researching, and consulting an attorney, I found the loan had changed hands around XX/XX/XXXX-XX/XX/XXXX. At this time I understand there was a XXXX-link chain of lenders. The XXXX mortgage holder is currently XXXX Housing and Finance Association. I notified IHFA that it needed to pay the property tax. It did so XX/XX/XXXX. Various losses to me remain. XXXX will be to the permanent detriment of my reputation. 

I accuse IHFA of abusive practices and waste. I think few XXXX would have the time and ability to have identified who was responsible for the property taxes. Many XX/XX/XXXX home sellers, under duress, might have double paid property taxes ( once at closing ; again upon the County Treasurer 's notice of delinquency ). To abuse home sellers and buyers is an easy matter, perhaps especially in the case of mortgage holders servicing loans for those of more humble means. Waste includes squandering my and others ' time ; accumulation of interest and penalties on the delinquent property taxes ; and the buyer of this home ( XXXX XXXX XXXX ) not being able to take a tax deduction XX/XX/XXXX for the payment of property taxes. 

XXXX Housing and Finance Association contact XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXXXXXXXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and mistaken identity. there are things on my file that are not mine and according to the FCRA 605B ( 15USC 1681c-2 ), the law has been broken and my rights violated. Experian has 4 business to remove all items from my file according to the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing on my credit report on XX/XX/18 in which the application is fraud by XXXX/ XXXX XXXX  XXXX  XXXX  in which the social Security on the application is not mines the DOB is not my DOB and the Driver Lic is not my Driver Lic Number and there is no date on the application and it's type. I took out a loan with XXXX XXXX XXXX  in which I filled out the application not nor ever applied for a loan with XXXX XXXX/ XXXX XXXX XXXX is all fraud by both Parties. And Date of Birth Social Security Number And drivers lic is some else not my legal information of me.