23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

The accounts reporting from XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX are fraud, they are not mine and its affecting my credit score.
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. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DPT ED/XXXX XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
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 has caused significant inconvenience and financial loss, and I Seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.
Product: Mortgage

Since XX/XX/2019 we have been trying to get SunTrust Mortgage to release our insurance funds from Hurricane Michael. After weekly calls we are continuing to get different stories and different instructions. They have stalled to the point we are paying our contractors out of our pocket. To date this amount is close to {$50000.00}. We have submitted checks that clearly show the out of pocket expenses and still no reimbursement. First they said schedule a Inspection so we did. After 2 weeks we called back to find out when inspectors were coming to be a told the Inspection had been canceled due to not being able to contact us. They rescheduled Inspection and a week later we called to find out it was again canceled. At this point after checking both of our phones I responded I would go to XXXX to pull our phone records and prove fraud on their part. A lady contacted me the next day for Inspection. The following day the lady showed up with her children along to do Inspection. This was almost 2 weeks ago. The day after the Inspection we received an email stating the inspector had canceled the Inspection. Even though the Inspection had been completed the day before.
Product: Debt collection

This company is reporting a debt to my credit reports that I do not owe ; however, even if I did owe this debt, according to this companies records, is past the 7 year reporting period. 

Therefore, while I do not owe the debt, even if I did, their reporting is still illegal. 

Please assist, and thank you!
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone # XXXX Re Loan # XXXX Dovenmuehle Mortgage CO XXXX In XX/XX/2020 we refinanced our current residence and was suppose to get a refund check of {$730.00}. The first check was sent out on XX/XX/2020 to our physical address, not our mailing address, we have never received mail at our physical address, so I was asked to fill out a change of address form and send it in and they would send the check again. The second check was sent out on XX/XX/2020, and again, I waited for the check to arrive, having more patience this time, due to the holidays and COVID. Again, the check did not arrive. I have called multiple times, spending at least 1 hour on hold most times that I have called. I have spoken with several supervisors, who each assure me that they are putting in a check request, or expediting the check request, or checking with another supervisor to see why the process is not going through. All this is documented with the mortgage company! I need some help to get our refund check, and I am out of patience! Please help!
Product: Credit card or prepaid card

I paid off my card on XX/XX/20 before the end of the card cycle. 
Statement information states that if the whole balance is pay in full no interest will be charge. 

My new statement of XX/XX/20 shows an interest charge of {$26.00}. Why?
Product: Checking or savings account

Date is changed for scheduled bill pay. By hackers inside or outside of the company. The Bank also gives me a difficult time scheduleing electronic payments in bill pay, which should be available to schedule for the next day. They say it will take over 10 days to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXXXXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5000.00} Balance updated XXXX XXXX, XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$5000.00} Highest balance {$5000.00} Monthly payment - Additional info Responsibility Individual Terms XXXX Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES 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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am simply tired of this company reporting false information I have told them several times the names doesnt match nor the address Ive never applied nor lived at address they still wont remove these items
Product: Credit reporting or other personal consumer reports

I try to sign in to them and they keep saying I cant be identified. I never told them to put and freeze and a announcement that my report was reported fraudulent to where I cant get in to change it they keeping me locked out and they still havent allowed me to access my report that is being reported fraudulent. And how they offer me loans and cards that they know I wont get even tho they say its tailored to my low score to possibly be able to receive and I dont then they drop my score knowing Im not going to get it
Product: Mortgage

I have gone through the loan modification process two times, both denied as I was not delinquent. I have been a great XXXX year customer with never a late payment. First time ( XXXX XXXX ), I requested due to ARM rate increase tripling my monthly mortgage. I was unable to refinance for the higher rate. Six months later, after countless documents back and forth ( and lost on bank 's end and conflicting information requested ), I was offerred a short sale! After all this time, I told them I want to remain in the home, just can't sustain tripling my monthly payment. I paid everything on time, except not my other bills. 
Second time ( XXXX XXXX ), I requested same process as I lost my job of 11 years without notice and no severance. Application back and forth, denied again for a rate adjustment or delay, was offerred a short sale again! Reason being I am not deliquent! And on top of that, XXXX XXXX, my ARM rate goes up again, further increasing my monthly commitment. 
Are they telling me I will onlly get help if I stop making payments? What's the point of being a good customer that follows the rules ... ... here it is, 2 months later and I have no job prospects at all even though I am desperately trying. With all the time I have, I'm now going to every agency I can find to complain about this bank, as they're simply too big to care. 
And all this time, everything had to be done via printed paper and XXXX or fax. In many cases, I had to print XXXX 's of pages, some of which their office would claim not all received. One week I was told I had to pay to XXXX, so I did. Another week, someone else told me they will send a XXXX label. Every week something different. I asked them to work on why their borrower home loan help portal would not work for me. They told XXXX they're working on it, but months later, nothing. So the process was slow, conflicting, and cumbersome with rushing to fax at a local branch, or print XXXX pf pages instead of uploading to a private portal. And every week, it was a new agent with whom I spoke, who was reading notes from an underwriter. Too many people involved, each not understanding the other. 
One other point, their drive-by property appraiser used submitted appraised value of properties in building at half the square footage. No one does comps like that. I was told by the bank to contact yet another department ( about errors ) and again, at my expense as the communication can only be via paper mail. I submitted that information about the incorrect appraiser methods ( who uses comps that are half the size! ) two months ago but no response from the bank ( or appraiser to whom I also wrote ).

As soon as things improve, I get a job, and maybe rates stabilize/go down, I will move my funds ( and that of my co-borrower who has XXXX and not ever paid towards mortgage, only used his investments with investment company partner with bank, all of it will be moved away. 
The more people I can tell, the better. My realtor friends and other friends already all talk about this bank 's lack of caring, with some realtors refusing to work with this bank.
Product: Debt collection

Man by the name of XXXX continues to call family members about a debt that is not valid. He continues to leave threatening voicemails on my family members as well as my cell phone stating " This is a very serious matter '', " I must call him back ASAP ''. I once spoke to him and he stated that " before this gets out of hand, you and your father need to make a decision about paying this ''. He would not stop trying to " sell me a deal '' with some outrageous requests such as taking loans out so I could pay him before I ruin my fathers credit.
Product: Credit reporting or other personal consumer reports

I asked the XXXX XXXX  company to correct the problem but they don't do it, they have awarded me a double invoice, they have created two debts with different amounts and I have only bought a washing machine with a vacuum cleaner and on top of that they are in poor condition and they do not solve the problem yet. 

In my XXXX XXXX record there is double debt, two bills, one for {$1800.00} and another for {$1600.00}, the total being {$3400.00}, when the sum of my purchase was much lower. 

Since this purchase at XXXX XXXX, several entities have used my information without permission and have deteriorated my credit record.
Product: Credit reporting or other personal consumer reports

I have wrote disputes to XXXX XXXX sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To XXXX XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 
Account numbers XXXX XXXX  XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact.

Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement.

4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 

This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law. 

Please verify these accounts or delete from my credit report send me a copy of my updated report. 

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

I filed a Fraud Alert with XXXX on around XXXX XXXX, 2017. 
I have not heard back from them since then. 

I did get a letter in the mail from XXXX on XXXX XXXX, 2017. 
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me. 


Today, XXXX XXXX, 2017, I received and e-mail from from Credit Karma that Synchrony XXXX/XXXX and XXXX XXXX had run a Hard Inquiry on my credit. 
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone. 

I call XXXX. They started an investigation in the Hard Inquiry. 
A Hard Inquiry not only lower my Credit Score ; but, is also an indicator of fraud. 

I filed and Identity Theft Report at XXXX. 
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department of Synchrony XXXX and XXXX XXXX. 
so both companies could remove the Hard Inquiry off of my credit reports. 

I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX. 
They e-mailed me back quickly. 

I tried to file another Fraud Alert with XXXX today, and I received an ERROR MESSAGE. 
Something is WRONG with this Credit Bureau. 

I then called Synchrony XXXX, XXXX, Florida, XXXX at XXXX. 
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

I then called XXXX XXXX, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

In summary, I need your assistance in ensuring that XXXX posts a XXXX XXXX on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated. 

I also need you assistance in following up with BOTH Synchrony XXXX and XXXX XXXX. I do not understand why BOTH are not interested in stopping identity fraud. 
I have a XXXX XXXX XXXX XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this. 
The business practices of these two companies needs to be revised and changed. 

I do not understand why it will TAKE THEM 90 DAYS to fix my credit report. 
These two companies should also be investigated for unfair business practice. 
I appreciate you support. 

Very respectfully, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX XXXX did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX  XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure.
Product: Debt collection

I was asked to come over to my Executive Director 's office. When I went over the ED and Human Resource staff was in there to let me know that HR had received a phone call from a XXXX XXXX at Sunset Solutions XXXX ext XXXX. During that phone conversation Mr XXXX disclosed that I will be served papers for bad checks. My ED asked that I return the phone call to Mr. XXXX and I did. Mr. XXXX was informed that on XX/XX/XXXX @ XXXX he can no longer call my place of employment. I was informed by Mr. XXXX that they will keep calling the HR department, that they will see me in court and that I will be served the morning of XX/XX/XXXX. I am filing this complaint because Mr. XXXX indicated that they will keep calling my employer, even after being told that they can not, he disclosed the nature of the phone call ( debt collection/bad checks ) with someone other than myself and threatened legal action without providing me any information regarding this.