23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I held a mortgage on my house which was transferred to XXXX XXXX XXXX. For various reasons, I was no longer able to maintain the house, and moved into an apartment. The mortgage was subsequently sold to Seterus for collection. The house was foreclosed, but various issues with previous mortgage companies not clearing the title when I refinanced, the foreclosure auction could not take place. This happened in about XXXX 2014. The title issues have long since been resolved, and no further date has been set for foreclosure auction. I have contacted Seterus numerous times, with no resolution. I finally told them I wanted to turn the property back over to them. I was told I should hear something 'in about 2 weeks '. This was at least 2 months ago. Meanwhile, the house has been vacant for over 2 years, and is deteriorating. I have had XXXX different people contact me about buying through a short sale. The first one was not able to reach an agreement on a price. The second one is also likely to not go through. Meanwhile, I can not get any cooperation from Seterus on returning the property to them. Every call I have made to them, ends up going nowhere. I need help in getting rid of my property ... It seems very unreasonable that all this should have gone on for almost 2 years. Any help you can give would be greatly appreciated ... .. 
My scanner is not working, so I am unable to attach the foreclosure notice dated XXXX/XXXX/2014, with date of auction scheduled for XXXX/XXXX/2014.
Product: Debt collection

I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XXXX XXXX, 2021. To date, I haven't received a response to my request.
Product: Credit reporting or other personal consumer reports

Disputed several times i have not received any letters in the mail from transunion. 

They failed to verify and remove inaccurate information
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 Customer 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 losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied credit card with american express not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.
Product: Debt collection

They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. 
They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. 
Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. 
and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater
Product: Vehicle loan or lease

I was racially discriminated against and talked to like trash by XXXX XXXX a USAA auto injury XXXX and sent to an Special Investigations Unit when it was time to settle my claim, I was mad extremely uncomfortable by the agent from special investigations when I was interrogated as if I were a criminal, they asked personal question about my family members which were a complete invasion of privacy, I was verbally attacked and not allowed to speak without feeling pressured. They were looking for ways to not pay out my auto insurance injury claim, this is deceptive and manipulative in many ways. As a person who has went through extreme stress regarding this accident, my stress and XXXX have been dramatically increased as a result of this. I hope this finds the CEOs office so this no longer happens to any other members, I felt unvalued and treated like a criminal
Product: Student loan

I do not receive emails/mail about billing. thought the loan was written off. i tried multiple times to reset password using my social security number and says there is no account matching my social security number. I get transferred to the account/billing team and it gets sent to a voicemail that is full. Ive tried many times over the past years, last time was XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.
Product: Credit reporting

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, PXXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF EF Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/TU/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts and inquiries detailed below were not authorized by me. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts 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. 
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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX/ XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry. I also attached a credit shot of my XXXX XXXX showing that the information is still reporting on my credit report. 

Feel Free to call me at XXXX
Product: Credit reporting or other personal consumer reports

My Credit report is showing hard inquires on Credit card applications that I never applied for. 
JPMCB CARD SERVICES on XX/XX/year> JCMCB CARD SERVICES on XX/XX/year> JCMCB CARD SERVICES on XX/XX/year> JCMCB CARD SERVICES on XX/XX/year> XXXX CARD SERVICES on XX/XX/year> I spoke to Chase multiple times on this they informed me that they would take care of it. All i get is a letter stating that I have been denied credit card.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to CITICARDS CBNA regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Mortgage

I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank Usa Inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX Va, XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX- XXXX XXXX, IA XXXX
XXXX   inquiry from XX/XX/2019 requested deletion letter 
XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX   XXXX XXXX
phone number XXXX
XXXX XXXX XXXX XXXX   inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX fl XXXX XX/XX/XXXXXX/XX/2019 requested deletion letter XXXX  XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

Credit Collection Services is contacting me regarding debt for XXXX XXXX XXXX. I have never had XXXX XXXX of any kind, and have had the same insurance for the last 5 years, which is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX I received a 1099-K form saying I had used the cashapp to make 276 transactions totaling {$6200.00}. All the transactions were made in XXXX. The form has my address and TIN. However, I DO NOT HAVE THE CASH APP and I never have. I contacted the company by phone on XX/XX/XXXX and was told this was not their problem and I should file an identity theft claim. On XX/XX/XXXX I contacted the company again and provided them with all the information and asked them to close the account which was making the fraudulent activity. They refused and would not even take any of my information. Then they offered to send me an email with instructions of how to proceed - the email they sent says nothing except that this is my problem and while it says they have " received my claim of fraudulent activity '' they did not take any of my information and have refused to look into the account number that is on the 1099-K. I am very frustrated. I don't even have this app and the company is refusing to acknowledge or shut down or help me any way with fraudulent activity happening through their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.
Product: Checking or savings account

On XX/XX/XXXX I did a quote online with XXXX for auto insurance. I was finalizing the quote on it said that the total amount for 6 months was {$1400.00} and the down payment was XXXX. This info is also in the email. When I attempted to make my payment of XXXX, the system said there was an error with my debit card and to try again. So I checked my card #, exp date, and CVV code. They were all correct so I attempted a 2nd time to make a payment and got the error message again. Do I went on the Bank of America ( BOA ) mobile app to check my balance only to discover that XXXX debited my account for XXXX. I called twice and the reps told me there was no problem and no previous balance. The rep said if he did the quote over the phone, it would be a different price and to try it again online. I didnt want to risk them taking another payment so I called back and got another rep. I asked why they drafted a payment of XXXX. He said it was from a past due payment from XXXX. I told him I had no knowledge of that info because I had not received any information regarding a balance and that info was not currently on my credit report. I asked him to reverse it because I needed to get insurance and he said they were unable to. I told him I would dispute it with the bank and he told me good luck with that. On XX/XX/XXXX, I called BOA and disputed the XXXX. They did a temp reversal of XXXX half. I called BOA again and disputed the other half since I did not get insurance with XXXX. BOA did the dispute and said it could take up to 60 days for a response. On XX/XX/XXXX, BOA did a reversal of XXXX and closed the dispute. Per my XXXX credit report update on XX/XX/XXXX, there is no collection from XXXX nor have they contacted me about the balance they say is due. I would like my money refunded. I can send emails from XXXX and not once was a past due balance mentioned. I can also send screenshots of my bank info.
Product: Credit card or prepaid card

I was charged twice for a transaction from vroom in the amt of XXXX for the downpayment on a vehicle that i purchaced. XXXX does not show the XXXX pymnt when i contact them due to me only buying one vehicle. placed in dispute with reliacard us bank in the middle of XXXX and they have been coming up with every way possible to drag the dispute out all the way until the end of XXXX. they sent a letter claiming i did not submit the requested docs over the day after they recvd the final requested documents. i have proof of all faxed docs and success of these. i have faxed proof over to them as well and have yet to hear back. i have all proof that they have been sent the requested info and yet they still claim nothing recvd and do not have anyone to speak with and cust svc agents are rude and nasty. so you hit a brick wall
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

XX/XX/year> I spoke with an agent to enquire why I am unable to use the balance transfer option to pay down loan as this is listed as an option on my online account. The agent stated that they are unable to pay loan using balance transfer however this was not found on the balance transfer section on my main page. This also was not in the promotional emails I received nor was this in the " transfer a balance '' screen where it prompts that I can input information to send funds to a loan. I have tried to do this many times and previously I was offered a balance transfer to my checking account. I feel as though Barclay should honor the offer that they had sent to me for this 0 % balance transfer with the promotional rate until XX/XX/year> as they had sent to me via email and on my online account to be utilized for my loan. When trying to input my loan number the only information that I received was to enter a valid account number and the institutions information which I had done. When I spoke with the agent I asked if there was anyone else I could speak to so that this could be done as I felt as though it was deceptive that this was the offer that I received and I am not able to utilize this due to no fault of my own as even on my statement it does not explain this. The agent advised that no one would be able to assist with making this change however this again is what I was offered and I just would like to use the balance transfer offered as it is promotional.
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 XXXX, XXXX XXXX, XXXX  XXXX BANKRUPTCY DISCHARGED, 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 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 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I filed my taxes through turbox tax and my mom was deposited on a credit karma account. Well for the last 4 months my account has been compromised and my info has been being used and my account was drained leaving me with XXXX cents. Somehow someone hacked my credit karma account and now all my money is gone. And credit karma keeps giving me the run around. I've changed my info multiple times and gave nobody my info but then and still my account keeps being hacked. For whatever reason I can not access my money but someone else keeps draining my account. And I need help getting my money back. Credit karma is being some scammers. I can't even seem to receive my debit card through them so I tried transferring my funds from credit karma to my bank account and the pending withdraw was cancelled and a new withdrawal happened to a XXXX XXXX card I have never used and credit karma says they could not stop it while it was pending but some how my pending request to my account got cancelled. I need help getting my money back!
Product: Debt collection

The XXXX XXXX XXXX of XXXX keeps contacting me in regards to a {$75.00} debt I already paid to XXXX XXXX Health Center last year. After every attempt to contact me, I have informed them the debt was paid and to stop calling me. I have stated numerous times they need to update their records. I have called & informed XXXX XXXX Health Center as well. I have asked they write me a letter stating this debt was paid as an addition to this complaint. I refuse to have this affect my credit due to their incompetent work ethic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has 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. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017 XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$3200.00}