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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : MXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I got a call from TD Bank about fraud charges on my debit card - 3 atm with drawls for {$260.00}, {$500.00}, and {$500.00} totaling {$1200.00} as well as 4 debit card purchases {$7.00}, {$79.00}, {$180.00}, {$680.00} totaling {$940.00}. I filed the atm charges separately as the purchases still haven't posted to my account but I then filed a claim once they did. I was only given money back for the atm with drawls claim. I made a police report and tried reopening the claim for the purchases 3 times, they refused to give me back the {$940.00} by claiming it was not fraud.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE, N.A.. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE, N.A. were no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Mortgage

New Rez Claims department is not releasing funding to complete the work being done on my home. They have received my claims checks from me already and keep giving me the run around to get additional funding released. They stated I needed an inspection done by their third party and I have not heard from them in regard to scheduling any inspection. I was told it would be 3-5 days and we are now past that time frame. 
I am now needing to pay additional money for trusses and labor out of my own pocket again which will now put me at over {$30000.00}. I have not had any contact or anything from my claims manager. I will in the following week also need to pay for plumbing and electrical and labor again, which will be another {$15000.00} to {$20000.00} dollars out of my own pocket, while Newrez has my claims money. 
I have had to acquire and attorney and am now taking out a personal loan to pay for the completion of construction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a split file on me and when they combined the file finally my credit score was XXXX points there has been no changes to my credit report and because I complained they had decreased my credit score by a 100 points that is not right they should not be able to do that there has been no changes to my report since they combined my report except the complaint now they will lie to us and say anything
Product: Credit reporting or other personal consumer reports

Equifax claims that they investigated the inquiries listed on my report and verified them as accurate but did not provide me with any evidence to prove their claims. This a violation of FCRA. 

Equifax continue to report inquiries that are not correct. The inquiries listed below should be deleted. That are not authorized to have access to my consumer report. XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

Central Portfolio failed to notify me by mail of the debt in which they say I owe. I had no knowledge of this debt until I received an alert from my credit report.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts and delete from report : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Dept of Education XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. 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 suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.
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 : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: 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. T
hese actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX merged my account with someone who has almost the same name as me and she opened a auto loan that is showing up on my credit scores.
Product: Debt collection

SYNCHRONY BANK/BELK has not provided me with Validation of Debt which is listed under the Fair Debt Collection Act, 15 USC 1692g Sec. 809 { b } I have included a letter from SYNCHRONY BANK/BELK which states that they could not show me any accurate proof of Validation of Debt.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

As evidenced by the certified mail receipt # XXXX, Experian received notice on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, Exhibit/credit report to support the violations attributing to the defamation of character claims, and an invoice ; all provided in good faith as a way of resolving this matter without having to proceed with litigation. There has not been any correspondence from the company. Since the year XXXX, Experian has been made aware of inaccuracies on the credit report that have been harmful to the consumer and continues to justify these inaccuracies and other erroneous data based on verification that does not involve the consumer. As provided attached exhibit ; this company is clearly unruly and does not have the best interest of the consumer or the banking system in mind, as there is currently a {$22.00} million class action settlement due to their noncompliance as it pertains to incorrect information on the consumer credit report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX deposited a two party check to me XXXX XXXX XXXX and her XXXX XXXX XXXX from XXXX Mortgage for the amount of {$2700.00} into her Bank of America account ( account number not known ). It is not a joint account and the funds were supposed to sent to me XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX but instead she called and them send it to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX which is a XXXX store. She then in return once I called XXXX and had them reissue the check, deposited it that same day and will not respond to me at all. I have filed a complaint to XXXX as I was the primary borrower, and BOA as I didn't have a joint account or sign the check, local police will not do anything. I fault her most of all, but Bank of America should not have taken the check for deposit as it is a 2 party check. XXXX should not have mailed a check to a non residential PO Box and meanwhile I am out of my money because of these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted by Convergent Outsourcing , Inc., XXXX XXXX. XXXX about an old XXXX account that has problems that I've been trying to get resolved without success. They have added this onto by credit report as though its a new delinquent account in the amount of $ 900+. I've told them that I dont owe them this amount, and they refuse to listen to me. I just found out that when I issued a move service request from XXXX XXXX XXXX address to another in the same complex, they charged me an early cancellation fee without telling me that was going to happen. Before they would accept my move request I had to pay the existing months bill, which I did and I moved thinking my service was being transferred. I later moved to XXXX XXXX for cheaper rent, and asked them to transfer my service to my new address but was Not told they were cancelling my service, and opening a new account. This caused another early cancellation fee, which was never explained to me. When I moved from XXXX XXXX, I requested a total disconnect of by service, and only owed one month at that time. They sent me a bill for $ 600+, and I told them that I returned all of their equipment and provided them with a receipt. The next communication was for {$900.00}, they say because I failed to disconnect the service, which isn't true. I'm a senior on a fixed income and can't afford to pay them $ 900+. I'm so frustrated trying to rebuild my credit, while they report this unresolved debt on my report as thought it's a new item. Please, I need help resolving this issue.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX XXXX nothing. refuse contact. 

Authorized transfer at XXXX with instant fees. have been monitoring block chain and receiver wallet. 

they keep the funds and have not transferred them.
Product: Credit card

Around the end of XX/XX/XXXX I received several emails from what Appeared to be chase bank regarding an approval of a freedom card. I asked my wife if she applied for this card. Her answer was no. I also asked one of my children if they applied for a card in my name their answer was also no. I deleted two emails thinking they were spam. In late XXXX, I received a credit card freedom credit card from chase bank, and proceeded to find out who did applied for this card. I called Chase and each credit bureau. Our identity was stolen a few years back and its not something I take lightly. I may be highly suspicious but my gut feeling is Chase purposely sent me this card. Appears that my credit agencies decreased my credit rating because of this issue
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit
report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXXXXXX 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

XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT ARS ACCOUNT RESOLUTION IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I request that you investigate and remove the disputed items from my credit report. You are required to verify these items with the creditor who reported them. Any information that can not be verified by the creditor should be removed. According to 15 U.S.C. 1681i ( a ), this reinvestigation must be completed within XXXX ( XXXX ) days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Freedom Mortgage ( FM ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, Freedom Mortgage continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX of every month. The archived statements on this account reflect ACH monies processed and exchanged between FM and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that Freedom Mortgage never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX XXXX Judge in response to a Felony Assault Charge. This No Contact order was in place for my safety and I requested FM to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to Freedom Mortgages customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the XXXX XXXX XXXX XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX  and XXXX. I am asking for Freedom Mortgage to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to FM, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

CASE # XXXX DATE : XX/XX/2022 AFTER CHECKING MY CREDIT REPORT THSESE ACCOUNT IT STILL APPEARING ON MY CREDIT REPORT AFTER DISPUTING BACK IN 2022. REPORT STATES ACCOUNTS COULDN'T BE VERIFIED SO WHY OUR THESE ACCOUNT STILL REPORTING ON MY ACCOUNT. THIS IS A ERROR ON YOUR PART FOR KEEP INACCURATE ACCOUNT ON MY CREDIT REPORT AND I ASK THAT YOU REMOVE OR DELETE THIS ACCOUNT AS SOON AS POSSIBLE. I'M IN THE PROCESS OF BUYING A HOUSE AND WITH THESE ACCOUNT THAT IS NOT MINES REPORTING IT'S HARD FOR ME TO GET APPROVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} 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: Mortgage

On XX/XX/2022, I closed on the sale of my home and the full payoff amount was wired to my lender, Amerihome Mortgage. Receipt of the funds was confirmed by Amerihome Mortgage and my loan was completely repaid on XX/XX/2022. Amerihome Mortgage is holiding approximately {$2400.00} in my escrow account and they still have not returned the funds to me.
Product: Mortgage

I received notice from the United States Bankruptcy court of New York on the face that Ditech XXXX XXXX filed for Chapter XXXX bankruptcy. I have seen on the document that Ditech sent me that the balance of my mortgage is XXXX. I have also noticed that the interest rate that I am being charged is 4.75 % ( which is above the market rate ) and the term is 30 years. I have a concern that after making 3 payments that the actual trial payment for the last 2 months was a total of XXXX per month. After reviewing my records I found that my original payment for the last 7 years was XXXX per month. Based on the payment they have given me I am now XXXX over my old payment. This is not what the modification regulations state, it was supposed to get me an affordable plan and lower then what my old payment had been. Ditech has received XXXX as a partial claim on my FHA mortgage insurance and yet they have made my payment higher then the old payment. I have enclosed an amortized plan using 4.25 % which is closer to today 's current market rate of 4.00 %, I also extended the term from 30 to 40 years which can be allowed as per modification regulations, this reduces my payment by XXXX per month and puts my modification on a permanent basis below my old payment, this is what a modification is supposed to do. 
When I contacted the Bankruptcy Court in New York and told them about my modification, the fact that you Ditech has received a large sum of the mortgage from FHA ( XXXX ) and that they increased my payment instead of reducing it I was told to send this letter requesting a reduction and to fill out their bankruptcy claim form and include a copy of this letter.I was also told that if my payment was not reduced, i was to activate this claim and send a notice to the United States Bankruptcy Court XXXX   District of New York.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XX/XX/XXXX