23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, JPMC filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. See attached. Then, ignoring payment was made AGAIN, JPMC filed suit XXXX. Again, they filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then they sued AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. Chase lied about getting the money and did not tell the court they got paid. Chase lied about having received the money and filed an affidavit claiming it was still due. The Court believed Chase and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but Chase is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the Chase employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : XXXXXXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX
Product: Checking or savings account

As of XX/XX/2022 I had the amount of XXXX stolen from my account via XXXX XXXX. I submitted a claim along with all the transactions & a filed Police Report of the incident & I also had witnesses sign and signature that I was at work at the time that Ive noticed my account and money being taken. Chime XXXX XXXX Denied the return of the funds, saying that they seen nothing wrong and there is no error that occurred. So I XXXX XXXX XXXX waited a couple months preferably 2 to be exact after refilling a rebuttal and still the same out come, now I have refilled another rebuttal and there telling me I have to wait until next year for there investigation to be complete in which I know that they keep denying it along with pushing for next year because there is a expiration date to file and complete a rebuttal and Im being cheat out of my funds because chime XXXX XXXX  wont refund my stolen funds. Ive sent letters Ive sent letters to sue them Ive reached out to chime and yet nothing is being done.
Product: Vehicle loan or lease

The company involved is Bridgecrest. I obtained a car from XXXX and used their loan company Bridgecrest to finance the loan. On XX/XX/XXXX the car was totaled. I had full coverage insurance with a {$1000.00} deductible as well as gap insurance. ( I can provide necessary documentation for all of this ). When going through the entire process, it is standard to get the payoff amount for the Auto loan. The payoff amount effective XX/XX/XXXX was {$19000.00}. The following payments were made to close off the account : ( XXXX ) XXXX XXXX principal payment : {$15000.00} ( XXXX XXXX XXXX XXXX  principal payment : {$3500.00} ( XXXX ) XXXX XXXX : {$900.00} Total payment amount : {$19000.00}. Meaning i was owed a little more than {$100.00} back. This should have been settled in XXXX. I was fine and forgot about the money owed until i checked my credit report and saw that i still had an active loan. And the company said i still owed {$100.00} on principal for the loan. I assumed it was because of the standard payment i made and sent in money to payoff the loan. I checked on XX/XX/XXXX, and saw that now i owed a principal balance ( and not payoff balance ) of {$600.00} to Bridgecrest, when the loan was paid off about two months prior. 

Per Bridgecrest own files they did the following : ( 1 ) Reversed the XXXX payment twice as both times it was applied as Principal only payment, then applied the payment as a standard overpayment. 
( 2 ) Reversed the XXXX XXXX  payment twice because both times it was applied as a Principal only payment, and then applied the payment once again as a standard overpayment. 
( XXXX ) Reversed my standard payment twice, for what reason im not sure ( the money has been out of my account for months and was never returned, im assuming this is the same for the XXXX payments and the XXXX XXXX  payments as well ). 

Bridgecrest reversed my payments in a fraudulent matter. The first payment reversal was on XX/XX/XXXX for all three of the aforementioned payments. After this, they reversed and reapplied the payments again on XX/XX/XXXX for all three payments, each time charging me fees and reapplying the payments on the dates of the reversal to apply interest. Also because of the reversals and how they applied the loan, my statement now says the next payment is due on XX/XX/XXXX. This is fraud. ( I have documentation for this as well ). When i saw this, i contacted their customer support and spoke to XXXX. I was not allowed to speak to the accounting team, anyone in legal, a manager, or even given a tracking number for the issue.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I have reached out to these companies informing them that these accounts dont belong to me. I have sent out dispute letters to experian, XXXX, and XXXX. over 30 days ago with no response. Iam a victim of Identity theft and im trying to get a house and this is hurting my score. XXXX ) XXXX XXXX XXXX ( original - XXXX XXXX  XXXX, XXXX ( XXXX ) ( account # XXXX ) I HAVE NEVER HAD THIS account PLEASE Delete NOW! 
XXXX ) XXXX XXXX systems ( original - sprint ) ( account # XXXX ) I HAVE NEVER HAD A account with these people. PLEASE delete NOW! 

XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX I HAD A account WITH THEM please delete NOW! 

XXXX XXXX XXXX XXXX XXXX  ( account # XXXX ) delete now! 

XXXX ) XXXX XXXX XXXX ( original -XXXX  XXXX XXXX XXXX ( Account # XXXX ) & ( account # XXXX ) delete both account number they are reporting differently!
Product: Debt collection

This company is called Portfolio recovery a debt collection service. First let me say I have stellar credit and am not in collection. These folks call again and again at least once a day for months now. The number is always different as is that state in which it originates. I don't answer and never will but they wake me in the morning and call during dinner. 

How can you track these scum, they obviously think Im someone else. I won't speak to them because Ive learned they ignore rules, law and personal privacy. The number they call is XXXX Thanks XXXX XXXX
Product: Student loan

My student loans were transferred from XXXX to Mohela and my first payment to Mohela was due XX/XX/year>. On XX/XX/year>, I made payment to Mohela through XXXX XXXX Bank with electronic tranfer. On XX/XX/year>, XXXX XXXX confirmed the payment received by Mohela. On XX/XX/year>, I received an email from Mohela stating that my payment was past due. I called Mohela and told them that my payment was made through their XXXX XXXX electronically by XXXX XXXX Bank. Mohela stated that they needed proof of payment. On XX/XX/year>, I emailed to Mohela, Customer XXXX, the XXXX XXXX document for proof of payment. On XX/XX/year>, I called Mohela to check on the status of this payment issue. Again, I was informed by Mohela that they couldn't find the payment and further it might take up to 90 days for them to locate the payment. The agent then stated that they would place my account on Administrative Hold and my first payment would be due XX/XX/year>, which would give them time to locate my payment. The agent further stated that Mohela would not be reporting any action to Credit Reporting Agency during their investigation. Following my XX/XX/year>, call, I have called Mohela over XXXX times concerning the status and I'm always given the same reply, they're still looking and it may take 90 days. Meanwhile, I just discovered that Mohela has indeed reported negative actions on my credit report! This is unfair and unacceptable as I in good faith made my payment following their instructions 2 weeks in advance of my payment due date. Their actions and lack of concerns to resolve this matter having negative impact on me is criminal in my opinion. When calling them they placed me on eternal holds without any real concern to resolve the matter. I have asked to speak with a supervisor or someone to resolve, but have been unable to have such conversation.
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting the immediate blocking and deletion of fraudulent accounts, collections, and inquiries on my credit report that have resulted from identity theft. These accounts, which I did not open, authorize, or initiate, include entries with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These fraudulent items have appeared due to unauthorized activity and do not reflect my credit history or consent.

As required by law, I request that all fraudulent accounts, inquiries, and collections be blocked and deleted from my credit file within four business days of receiving this dispute. Enclosed are supporting documents, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( Case # Private ), and my credit report highlighting the fraudulent entries. I also request written confirmation of the actions taken to address these fraudulent items.

I appreciate your prompt attention to this matter and expect a response in compliance with the Fair Credit Reporting Act. If additional information is needed, I am available by email or phone.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the EFTA as requires timely access to funds. this situation raises concerns about consumer protection and laws, and i request your assistance in investigating this mater to ensure my rights are upheld.
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 tal timely and effective measures to prevent an + 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$0.00} - tied
Product: Mortgage

Ameris Bank advised they paid my XXXX mortgage with check number XXXX in the amount of {$4900.00} XX/XX/XXXX. 

In XX/XX/XXXX I received a Delinquent Tax Notice from XXXX XXXX stating I owe {$4900.00}. I immediately contacted Ameris bank and created a case XX/XX/XXXX. I had to follow up XXXX then was told the case was taking longer XX/XX/XXXX. After XX/XX/XXXX I called again received certified mail the county will post notices on the door of the residence. I've been calling/emailing every business day since XX/XX/XXXX to try to get attention on this issue. 

After 2 months of no responses and me taking time off work to call in every few days they finally paid it but took the funds from my XXXX escrow. 

XXXX I called concerned about how my XXXX taxes will now be paid. I am told I now have to pay all these taxes when it is showing on my account the 2 payments for XXXX of XX/XX/XXXX payment of {$4900.00} and XXXX payment of {$5000.00}. 

Ameris bank not only had poor business practices with sending out payments to the wrong Tax ID, they were unresponsive for 2 months requiring me to take time off work. I see this issue not closed due to them taking funds from XXXX escrow. 

When I called XXXX I was told I will need to pay back the {$4900.00} because I was issued overpayment in XXXX. Keep in mind we closed on this property XXXX of XXXX and we were told it was overpayment. The statement did not specify 'Returned ' payment or any indication our taxes for the year were not paid. 

We had no indicated in XXXX they sent the taxes to to the wrong Tax ID. It is now 6 months later and they are telling me I have to pay an extra {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit report that I did not authorize and I want them removed from my report. I tried contacting them individually but Ive been ignored on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit back on XX/XX/2023. I called them directly with no resolve. I disputed it with XXXX but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with Equifax but they did not remove it.
Product: Credit reporting or other personal consumer reports

On XXXX I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I submitted a written request to XXXX to report the most up to date information about my loan statuses to all three credit report agencies. No changes have been applied my credit reports and I have not received a response from XXXX. XXXX stopped reporting to all XXXX  credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 ; XXXX XXXX placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. XXXX XXXX held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. XXXX XXXX has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.
Product: Debt collection

today i logged into my credit file to see NATIONAL CREDIT ADJUST is reporting a debt of {$1600.00} to credit reporting bureaus, i have never done business, signed any contract or documents with NATIONAL CREDIT ADJUST or anyone they are collecting for, I do not wish to contract or do business with NATIONAL CREDIT ADJUST.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;