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

I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through LexisNexis. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and XXXX, XXXX will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.
Product: Debt collection

Credit Control is using XXXX  bullying tactics against us, the helpless forgotten people. It is proven by the XXXX  XXXX, XXXX and others that we are the victims. 

They have been calling every day, many times a day, with big threats to destroy our family, we the helpless people who support those that manage the inner cities. 

Credit Control XXXX  attacks are known all over the World and they are being sued in many lawsuits. They are also threatening to retaliate against us with a lawsuit because we dared to stand up for our rights. Yes, they are threatening to sue us and promised us it would happen if we resisted - that is called retaliation under the law. 

Credit control is violating the law and they are not in compliance with Federal and State laws. It is illegal for any junk collection agencies, especially ones using terror tactics, to make empty threats to sue us or garnish our wages.
Product: Credit card

Citibank Customer Service informed me that according to their transactions records, they have NO record of any car rental fees from XX/XX/2016 - XX/XX/2016. This card has been closed out by Citibank. {$700.00} owed on the amount in for car rental yet, they have no record of any transaction from the time frame mentioned. Citibank should re adjust the amount they claim I owe on this card. Minus {$700.00} in rental fees they can not locate.
Product: Credit reporting or other personal consumer reports

Im seeing errors on my credit report under 15 USC 1681c-2, with hard inquiries I didnt authorize. Kindly remove all unauthorized inquiries as soon as possible. Thanks!
Product: Mortgage

My mortgage is being serviced by Huntington Bank, it is held by XXXX XXXX. 
Back in XX/XX/XXXX I took advantage of the payment deferral program - offered due to financial difficulty. 
After offered 6 months of deferring my payments I have notified the bank that I will be making my regulars payments starting in XXXX. Bank notified me that they will send me a packet of documents for me to sign and send back. I have received the modification paperwork have notarized them and sent them back to the bank back in XX/XX/XXXX. 
In XXXX I have tried to apply for refinancing with XXXX for XXXX XXXX and my application was rejected because of the deferral program, which by the way when I signed up for it, it was not disclosed to me that it will prevent me from refinancing my loan for over 4-5 months after going off of it. 
Since XXXX I have made all of the required payments up until XX/XX/XXXX. 
I have called the bank about 10 times and sent couple emails to inquire about completion of the modification of my loan. 
I have not received any emails back from Huntington Bank, I have called and requested to speak with a manager as different CS representatives were providing me with different versions of the standing of my loan. Including responses such as that I am late with my loan and that the modification required paperwork has not been received. 
When I received a call back from a manager, I was not able to answer. They call back after 4 days of my request to speak to them! They leave a message and ask to call back to CS department and request another manager call back! 
At this point due to the almost 4-month delay and no response from the bank, I am concerned that I will not be able to refinance my loan due to a change in my employment history that took place in XX/XX/XXXX.

Every person I spoke with at CS say that they are sorry, that COVID got them backed up, etc, etc. No resolutions, no proper manager intervention, constant misinformation, and lack of accountability! 
From what I understand there are thousands of applications that are being held uncompleted for months! It's just yet another way banks are taking advantage of this pandemic situation. Will they get away with it? Probably. 

Attached is the Modification Letter from the bank. 
Confirmation of the delivery of the modification paperwork by XXXX. 
Label of the modification documents package with the addressee.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I sent {$860.00} to my friend via CashApp. The payment shows " completed '' in my CashApp account, but on her account it shows " pending. '' To this day, it never made it to her and it still shows " pending. '' Despite the fact that it is MY money that never made it to the recipient, CashApp refuses to talk to me about it because her account is not my account. She has tried multiple times to raise tickets, fill out their forms, etc and STILL they tell her that she just has to wait. It's been nearly three months. Because this payment was for things I purchased from my friend, I had to send her the money AGAIN, so I am the one who is financially harmed by CashApp 's lack of ability to complete this payment. Also note, this happened to me once before -- for no apparent reason, the payment did not complete and in a few weeks they admitted their fault and finally pushed it through. This time, though, I don't believe they're ever going to rectify the situation. I will no longer use CashApp, that's for sure, but I need that {$860.00} back or for it to be sent to the intended recipient so that she may refund it to me.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX ( PREVIOUSLY DISPUTED ) ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT MULTIPLE TIMES 1.YOUR PROOF OF PROCEDURE OF INVESTIGATION WAS NEVER PRESENTED 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2.MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME THAT WAS NEVER PERMITTED BY ME 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies i have provided all information needed for this company to do a proper investigation .the company has failed to do proper investigation and it has been more than 30 days i have attached my IDENTITY THEFT REPORT as well also company stated in CFPB respond that the debt was sold to another company!

this is all false n misleading representation! USC 1692e BY FAIR CARES ACT LAW THE CREDIT BUREAUS EXPERIAN XXXX AND XXXX ARE I VIOLATION OF THE LAW ALSO XXXX XXXX, XXXX ARE IN VIOLATION OF FAIR CARES ACT LAW DELETE THIS FRAUD ACCOUNT NOW. THANK YOU 15 U.S. Code 1681c2 - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, pocedure, and certification for payments 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

15 USC 1681 E ( B ) & 15 U.S. Code 1681c THIS ACCOUNT MUST BE DELETE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed an XXXX credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my XXXX credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting. 

On XX/XX/XXXX, I spoke with XXXX agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and Aidvantage 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in. 

XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that XXXX can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX. 

I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report XXXX XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations. 

See the recording between XXXX and " XXXX '' at XXXX. Time stamps refer to audio time locations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Debt collection

DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS
Product: Checking or savings account

I was just there I woke and saw my account has been restricted only to call to tell them has been locked and I should call them no reason they dont want to give my money thats chase bank
Product: Vehicle loan or lease

The vehicle was declared a total loss by USAA insurance and the insurance policy had gap coverage. The loan was thru USAA 's banking branch. They came up with an arbitrary figure of {$71.00} that was still owed on the vehicle. I disputed this multiple times due to the coverage I had on my auto. I did not pay the {$71.00} because it should not have been there with the coverage I had the loan should have been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered some information, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize account and inquiry and have never incurred debt with these creditors. I do not know where they came from.
Product: Mortgage

CFPB letter mortgage complaint Bait and switch by mortgage lender. Flagstar lender said loan modification was approved in XX/XX/2022 and I was in hospital and ill all month with second XXXX XXXX and missed XXXX  XXXX mail with deadline of ( 10 days ) to sign in XX/XX/2022 and when I found XXXX  XXXX upon return to home, I called Flagstar and they said they would redo mod and for me to wait and watch for new XXXX  XXXX package coming soon in XX/XX/2022 for signing and I return my agreed to XXXX XXXX mail signed loan modification docs asap time is and was critical and I accepted on the phone and thanked representative XXXX in loan modification escalations at Flagstar for finally after 4 years of being dragged through the mud they approved and accepted my mod and I mutually agreed and accepted with my attorney realtor on third party conference call and my wife with me on the phone. Two weeks went by and I called to ask where was my package. They said that they could not do it again and they changed their mind. They never called back. Nice of them to lie. They wasted all this time I have no money and nowhere to go. They did not keep their word. I have since been waiting again for a response they are no where in sight. I call almost every day and get lip service. I have notified FHA too. I kept my word throughout the entire process!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting 120 days past due on XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. It is impossible to be 120 days late on a loan that has a {$0.00} balance due. This error is having a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response has not been received for investigation that you received on XX/XX/22 Tracking number XXXX or XXXX or XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.
Product: Credit reporting or other personal consumer reports

I recently revealed my credit report, and noticed fraudulent accounts on my credit report. It is hurting my ability to obtain credit.
Product: Debt collection

The complaint is against Affirm. I ordered a riding tractor mower XX/XX/23 from a company called XXXX and paid for it with a credit card. I received and email the next day telling me to reorder, that they has accidently deleted my order. I reordered on XX/XX/23 and now I'm getting directed to XXXX. They wanted it to go through Affirm. The delivery was to be in 5  days. I called Affirm at the end of XXXX to cancel the loan as I had not received the mower and ordered the same mower through my local XXXX store. I got my mower from XXXX on XXXX and picked it up. I called Affirm again as a payment was coming due on the mower I never got. I was told that the payments really wouldn't start until I had received an invoice from XXXX. The Affirm person told me I could make a payment then. I bluntly told them NO. I do not pay for things I have not received and especially that amount. I called every week for months with Affirm telling me I was behind on payments. I repeatedly told them I am not making a payment to anyone for a purchase not received.I was finally told that Affirm would launch an investigation and it would take a couple of months. In the mean time, Affirm turned it over to a collection agency. I spoke with them multiple times a week, again telling them I am not paying for something I have not received to turn around an fight with them to get my money back. I receive an email from Affirm XX/XX/23 saying my account had been credited, however, it's on my credit report affecting it by XXXX points. I want this off my credit report immediately. I think Affirm is a fraudulent as well as XXXX and XXXX and I would NEVER do business again with any of them. I have an email from Afform on my phone but I done know how to take a screen shot of it
Product: Checking or savings account

This is a complaint that was submitted on XX/XX/year> with case number XXXX and was closed when the bank responded but it still unresolved. On XX/XX/year> I requested a {$12000.00} withdrawal from my savings account on Marcus by Goldman Sachs bank to my linked account. On XX/XX/year> I called the bank because I noticed that the transaction was reversed. I explained the situation and they transferred me to other departments multiple times and after an hour they finally told me that my transaction was reversed because of a security issue. They said that the information that I provided to verify my identity didnt match with the information that they have on file. I told them that they never asked me anything to verify my identity. Then they asked for my mother name and I provided the information and apparently I got that answer wrong. Then they said that they have to send paperwork by mail and Ill have to get that notarized. They froze my account and I have no access to it. I called them multiple times after that day and asked for a supervisor which they said that they dont have one at the moment and a supervisor will contact me between 2 to 5 business day but that never happened. I still calling them and told them I want my money and I want to close the account but I cant because they cant verify my identity. The bank sent an Affidavit of Identity on XX/XX/XXXX, XXXX continued reaching out to them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, this day I called 7 times because they hanged up the calls multiple times, and XX/XX/year>. Every time I called is the same response, the case still under review I sent the affidavit of identity back to them and it was delivered on XX/XX/year>. Since then they said its been under review and they have 7 to 10 business days to respond. This is a nightmare and I just want my funds. Most importantly, I notified them that I am purchasing my first home and I need this money for my closing costs. I need this situation resolved because the bank and the seller are waiting on me for the remaining funds for closing costs. If I dont provide the funds the seller is going to back out because the contract expires soon and Ill loose my {$20000.00} deposit.
Product: Credit card or prepaid card

I applied for the XXXX XXXX from American Express toward the beginning of XXXX XXXX. 

On my XXXX XXXX, XXXX statement it states that XXXX points were earned. 
The cardmember agreement attached herein, ( page 3 of 4 ) states, " We transfer the points you receive to  your XXXX XXXX program account after the end of the billing period in which you received them ''. 

I noticed that on page 5 of 11 of my XXXX XXXX statement, that the terms were to be updated as of XXXX XXXX, XXXX to- " We are adding language to clarify that bonus points will be posted to your XXXX XXXX account 6 to 8 weeks after the end of your billing cycle. To be eligible to earn the bonus points, your account must not be canceled or delinquent at the time of bonus fulfillment. '' As such, I waited 8 weeks and then some before filing this complaint even though this was not required according to the terms that governed my account at the time of my XXXX statement. Additionally, my account is currently active and is not delinquent. It would seem that American Express has not fulfilled their responsibilities in this matter. 

During this period, I did call several times to try and resolve the matter, to no avail. 

I have no recourse at this point other than to file this complaint. 

I have also seized spending on this account and redirected it to other credit cards that I hold that do award me the points or cash back that I was promised and am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF 2 ACCOUNTS ( XXXX XXXX XXXX  and XXXX  XXXX XXXX NA ACCOUNT ). I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The accounts are visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. 
Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report, without any authorization, are not mine, please check them. 


XXXX Account Number : XXXX This is not mine. 

CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX**** This is not mine.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : BK OF AMER XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

XXXX was approved for a XXXX trial, with payments from XXXX. He completed the trial. I was told that documents were in process of being drawn up before I left for vacation in XXXX. Upon my return in early XXXX I contacted Seterus and was told the final modification documents were sent out to the borrower XXXX/XXXX/15. Borrower never received those documents. I then made a call to Seterus XXXX XXXX and was told the documents were going to be faxed to me since the mailed copy never got to the borrower. They told me it would take up to 48 hours. I made calls to them the XXXX, XXXX, XXXX and XXXX following up on the status of the faxed documents. Each time I was told they were escalating the request and to check my fax within 48 hours. On the XXXX they told me they would put a rush on the request. I called to follow up again today after not finding my fax and was told that the reason I have n't received he fax is because they have n't sent it due to a " litigation '' preventing them from sending the documents directly to me or the borrower. I was told it had to be delivered from their attorneys directly to the borrowers attorney, or directly to the borrower. After a whole month waiting to receive he documents via fax they tell me that!