23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

fact, I the affiant is aware and have proof that TRANSUNION has and continued to violate my consumer privacy rights. I the affiant observed 19 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX Bankruptcy XXXX, XXXX  XXXX Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I never authorized the inquiries your company has placed on my credit report, and theyre hurting my credit score.
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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I got a free settlement funding in the total of {$3200.00} it was put on a XXXX payment plan for an increase every XXXX  months when you didn't pay it back the first increase was XXXX of 2024 I ended up receiving my settlement XXXX of 2024 which is about a month difference and they don't want to reduce the amount having to be paid back from the XXXX  % interest rate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite my submissions, Equifax always responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene with the Consumer Financial Protection act, as highlighted in the CFPBs recent administrative proceeding. ( File number XXXX XXXX ) against them for similar violations. I request the the CFPD take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Debt collection

I had a collection account with CCI from a utility company from a house I rented I found out about this when I checked my credit report in XX/XX/2019. I never received a dunning letter from them and when I seen it on my reports I contacted them about it. I called them 4 or 5 times and everytime I told them the only way it would benefit me to pay it is if they removed it from my reports that i had moved to a another state and would never have any service with that company again. The last time I called they told me they would remove it from my reports and it's been over 6 months and it's still on them. I called back about a month ago and was told they don't remove things from reports. So I was lied to and It is an unfair collection practice for a debt collector to make false representations. FDCPA 807. This is the only bad thing I have on my reports and I didn't even know I owed the company anything I filed a forwarding address with the post office and I never received anything saying I owed this or I would have paid it. And CCI had my address also and never sent me anything before putting it on my reports.
Product: Checking or savings account

I had an Account where I was charged for many overdraft fees and tried to resolve them thru the company but I had an account for years
Product: Credit reporting or other personal consumer reports

Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the XXXX 's Account. 
XXXX 's never responded by mail. I used the Chat Box on the XXXX 's website to request for the account history. They finally emailed the information on XX/XX/2023. 

XXXX 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that XXXX 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. 

This has prevented me from obtaining a loan and I will proceed with an attorney if needed.
Product: Mortgage

Loan Number : XXXX Servicer Name : Select Portfolio Servicing Inc. 

On XX/XX/21 I, XXXX XXXX received a letter from Select Portfolio Servicing Inc. ( SPS ). In that letter SPS mentioned that its removing me from forbearance status due to a payment it received from State of Illinois Emergency Mortgage Assistance ( EMA ) behalf me. I called SPS many times snd mentioned that I am still unemployed and put me back in forbearance status but its is refusing to do so. 

SPS saying that I dont qualify for anymore forbearance and only option I have is to sell the property. I told the bank I dont want to sell my property and I just need forbearance for little bit longer. I also mentioned to SPS that under CARES Act I qualify for 12 months of relief but it is saying I dont qualify for that program. I am kindly requesting CFPB to reach out to SPS and find out why I dont qualify for full 12 months of forbearance. Thank you and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

XXXX : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Debt collection

A vehicle was purchased from this car in XXXXXXXX XXXX XXXX  and shortly returned 1 month later in XXXX. There were major issues within the car the dealership would not fix. They were sent videos and pictures of the vehicle drenched in water when it rains. The dealership asked for the car to attempt to make repairs and they never called back to give an update. Later they submitted to the credit bureaus that it was a voluntary repossession. This needs to be taken off of my credit report. I also, left a XXXX review when the situation was happening.
Product: Mortgage

During Covid-19 shut down, my husband and I were out of work. We decided to do a forbearance on our mortgage incase we were not able to pay it during our lay off. After 6 months I called to resume my mortgage, as we both went back to work. My mortgage company reinstated my mortgage and added a 2nd loan for the missed months. They added a {$22000.00} 2nd loan. I asked they repeatedly to send me a breakdown of this 2nd loan and what it consists of. They have refused to give me this information. This has been going on sense XX/XX/XXXX. My loan balance started at {$350000.00}. We made 4 mortgage payments before going on Forbearance dropping out balance to {$340000.00}. After the forbearance period was over and my loan was reinstated my mortgage balance increased to {$350000.00}. If this is a non interest baring forbearance how did my principal balance increase by {$9500.00}. They will not send me any information to explain this to me. I need help. My mortgage is with United Wholesale Mortgage. Not only that but when I go on the website to view my past documents, they are now missing!
Product: Debt collection

I recieved a letter from southwest credit saying i had a bill for {$370.00}. I been building my credits for years so I know i didnt have anything in collections. i called them and they told me it was from XXXX XXXX. i live in a two family, and was referred to this apartment from a friend of a family member who lived here for years, that recently moved a year ago. I disputed the bill, called the company and explained this is not my bill. I letter is dated XX/XX/XXXX, XXXX the company has put this on my credit report, and my score has now dropped XXXX point with XXXX XXXX and XXXX. Im really upset. my identity has been stolen and now my credit is damaged. although they had lowered the bill to {$260.00}, it is still stressful because my identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..
Product: Checking or savings account

Hello, I opened a Hancock Whitney checking account on XX/XX/2021 with a promotional offer, code XXXX. 

To this day, I still have not been able to access my account. It logs me in and pushes me back out. Sometimes, it will display a error message. 

So far, I only received a letter, acknowledging that I opened a new Access Checking account and a new debit card. I do not know my account number.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Mortgage

XXXX, XXXX XXXX XXXX XXXX contacted me to refinance my home to get a lower interest rate and to lower my monthly mortgage payment. With the recent loss of my husband and Covid which both caused a decrease in my income I thought this would be great for me. I did everything on my part with XXXX XXXX XXXX and Carrington Mortgage ( my original lender for 20yrs ) to get my home refinanced. XXXX XXXX XXXX not only called Carrington Mortgage ( which is noted on my account, XXXX XXXX # XXXX with Carrington Mortgage and also XXXX XXXX # XXXX stated ) and made themselves power of attorney without my consent. They also created an online account for not only myself, but for my deceased husband and changed the mailing and email address on my account so I would not receive any information notifying me that my mortgage was late and not being paid for months! The first month I realized I wasn't receiving statements from Carrington is because I had thought XXXX had took over the loan from Carrington that's why they were requesting monthly payments from me. I did not hear from Carrington for 9 months until my home was in foreclosure with an auction date! I've told Carrington that I've been paying the third party XXXX XXXX XXXX the company that they were aware of me paying that was suppose to refinance my mortgage, I asked what I could do to stop my home for being up for sale. They told me I need to either pay {$25000.00} or fill out a mortgage assistance form. I filled out the form with all the documentation I needed before the deadline and I got denied due to missing one bank statement for XXXX- XXXX for the account that my social security is deposited. The only reason that one document was missing was because my bank had not yet had those statements ready. I did not receive it in the mail yet and when I went to the bank they were not ready, so that was out of my control which I told them, so I had to send it in like that before the deadline. I also spoke with a representative when I finally was able to get those bank statements and I was told after I sent it over that my account was closed and my house was sold. The only thing that saved my home from that auction was that I filed for bankruptcy that morning before the sale was made. Since then Carrington and XXXX XXXX have both been giving me the run around! I've had my granddaughter help me fill out another Mortgage Assistant Form with all the documentation needed by fax and email and they are still saying they did not receive it and now I have another sale date for XX/XX/XXXX. This is not right at all! I can't believe I've been scammed from not only XXXX XXXX but Also from Carrington Mortgage after Ive been loyal and paying them on time for the past 20 years!! It is very unlike me to not pay my mortgage XXXX amnestying always on top of my bills so why after 20 years wouldn't Carrington contact me directly instead of sending my information to the third party that they knew were not paying them.
Product: Mortgage

I was told my eagle home mortgage on XXXX that I am conditionally approved for a loan to purchase a new XXXX XXXX. I provided all the conditions they needed and thought everything was good to go. Then on XXXX which is 3 days before closing they told me I am now not approved because I have not been with my current job for 6 months. This is information they already had since day 1. They have wasted my time when I could have gone with another lender to begin with. Now I wont be able to close on my home and potentially lose out on the house all together because of their incompetence and lack of communication. Throughout the entire process that was started with pre approval on XXXX they have not been forthcoming in communicating with me. When I would ask for an update I would get excuses as to why my loan wasnt being worked on or further along. I have been told everything from management issues to was on vacation. I feel like they have caused me unnecessary stress and wasted my time.
Product: Credit card

In XXXX, I made a purchase from XXXX XXXX and opened an account with XXXX XXXX, then called XXXX XXXX XXXX. In XXXX, I received the first bill for the account and attempted to make payment online. I received an error saying I had to contact customer service. XXXX XXXX customer service told me that my XXXX credit account has been moved to another bank called Comenity Bank, and I should wait to receive a letter from Comenity bank on how to access my " XXXX XXXX account ''. After some time, I received a letter from Comenity bank with directions on how to access the new account on their website, but stated that the website will not be available until XX/XX/XXXX. I was away on a business trip during this week and returned on XX/XX/XXXX, which was also the payment due date. I was finally able to create the online account and make the payment, but it said that the payment would be processed the next business day, and the payment is late. I immediately contacted their customer service to explain the issue, and they told me that there would not be any late fee or penalty due to the account conversion. I waited two weeks and checked the Comenity website again and it showed that I was assessed a late fee on XX/XX/XXXX. The website also showed that there is an XX/XX/2023 statement with payment due in XXXX, but I never received this statement/bill either in the mail or in email. I contacted Comenity again to inquire why I am not receiving any bill, and the customer service representative told me that they do not send out a statement, I have to log in to the website to find the statement and just remember to do that every month. I asked how I can receive an email or text message alert when a new statement is available or when a payment is due, but again was told they don't offer any such alerts. I informed them that it is highly unusual and irregular for a bank or other credit/lending organization to have a revolving credit account but without sending out a monthly statement or alert that a payment is due. I believe that the failure to properly convert the account from XXXX to Comenity, which incurred late fees through no fault of my own, and potentially impacted my credit score, and Comenity 's refusal or inability to send a monthly statement, are both illegal.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customers 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 receptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I recently reviewed my credit report and discovered the following on my credit report : Portfolio Recovery Associates Account number : XXXX In the amount of XXXX which was purchased from XXXX XXXX to your company as debt buyer Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Portfolio Recovery Assc. isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Product: Credit card or prepaid card

On XX/XX/2018, I qualified and completed 3 Balance Transfers with US Bank MasterCard. However, the bank sent 2 of my balance transfers to the Fraud Department without notifying me as a customer. I received no email stating to contact the company, no written notification, nor did I receive a voicemail stating to contact the company due to possible fraud. When completing the 3 transactions, I fulfilled the vetting process verifying my identity as the cardholder. I was also a customer in good standing with US Bank in which I retained a credit balance on my credit card account. However, I only received written correspondence confirming 1 of my  credit card transfers was processed. I was dismayed to learn on XX/XX/18 that 2 balance transfers were never processed which caused me undue hardship. The company could not explain why the 2 balance transfers were denied and stated my only recourse was to start the process over. US Bank business practices are a disservice to consumers because the company is prequalifying, marketing and notifying cardholders of a credit line, but when the customer uses the credit line, the transactions are being denied without any form of notification. Two of my transfers were for the same credit card. However, one was processed and one was denied. Therefore, US Bank Policies are hurting consumers. If I was properly notified, I could have handled this matter accordingly. However, the company has placed the onus on the consumers which is a violation of consumer rights. The company business practices need to be investigated because they are performing false advertisements of products, qualifying consumers for the false advertised products, and then denying consumers the use of the products without proper notification. The company actions are causing consumers unnecessary fees and lowering consumers credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}