23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. 

Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. 
I fully believe that this is not my account or is a case of mistaken identity. 
I also request full validation of the debt from XXXX XXXX. 

Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. 
Thanks.
Product: Credit reporting or other personal consumer reports

Like I've already stated in my complaints about all XXXX bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations
Product: Mortgage

On XX/XX/XXXX we made a half payment of {$1000.00} and then made the second half payment on XX/XX/XXXX. The purpose for doing this was to cut down on our interest. Our mortgage lender, GSF Mortgage Corporation accepted both of these payments for our XXXX, XXXX payment. On XX/XX/XXXX another half payment of {$1000.00} was made and accepted by GSF Mortgage for XX/XX/XXXX. A second payment of {$1100.00} ( included a late fee assessed by GSF for no reason ) was made on XX/XX/XXXX for XX/XX/XXXX mortgage. The payment made XX/XX/XXXX was returned to our credit union. We contacted GSF to determine what was going on and was told that we were not on the ACH payment plan at which point we tried to make two more half payments, which GSF did not accept. On XX/XX/XXXX GSF Mortgage accepted a payment {$1000.00} for XXXX 's mortgage to be applied with the XX/XX/XXXX payment for a complete mortgage payment. On XX/XX/XXXX we made a payment of {$2000.00} for XX/XX/XXXX mortgage payment. On XX/XX/XXXX we made payment {$2000.00} for XX/XX/XXXX mortgage payment. On our XX/XX/XXXX statement GSF Mortgage stated that our next payment was XX/XX/XXXX. At this time, GSF Mortgage has {$2000.00} of our money that has not been allocated to our account. After 40+ hours of repeated phone calls and 60 days of no action on the part of GSF Mortgage we are at our wits end. We have begged GSF Mortgage to apply our funds and rectify this problem to no avail. We can not get a single person who can take a look at our account and do simple math to see that we have made all the required payments. We admit that we made an error in submitting half payments. Once we figured out we could not do this we have sent in the full payments. GSF Mortgage has continued to harass us with robo phone calls though we can never talk to a supervisor to correct our account. They have placed money in a so called Expense Account and can't seem to move it to be applied to our mortgage. They have applied late fees that are not applicable.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, Equifax, and XXXX with a student loan company, DeptOfEd/XXXX  XXXX which each company reports XXXX - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX XXXXXXXX school. How can I have that many 90 day lates. I reject and am offended by Equifax, XXXX, and XXXX reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.
Product: Vehicle loan or lease

Was paying for a 5 year auto loan on a XXXX XXXX XXXX and was paying the loan through Honda, paid off the loan in XX/XX/2017. I have had a perfect payment history the entire 5 years except towards the beginning when I initially signed up for automatic payments. When I enrolled in automatic payments they assured me that the payment would get deducted on time and I wouldn't have to worry or do anything. Over 1 month later they call me and say my payment was late and I was furious and told them I enrolled for automatic payment and they put me back on it but didn't remove the derogatory mark but they refused. Now that the loan is paid off I've been contacting the past month or so several times in order to get the derogatory mark removed to improve my credit and they don't care about helping me since the loan is already paid off. Despite this not being my fault Honda still won't take care of me and don't know what else to do.
Product: Credit reporting or other personal consumer reports

the company is reporting an account on my credit history with a XXXX balance which presents date failures in the reports of the three credit bureaus, which gave me the authority to dispute this information and request the removal of this account, however the company has refused to give me an explanation of why it maintains this remark on my credit report.
Product: Money transfer, virtual currency, or money service

I received a payment from a friend for {$100.00} in XXXX on cash app when I cashed out I realized it was to a closed account. When reaching out to Cash App Customer Service was told nothing they could do & I needed to reach out to the bank. I reached out to the bank who made me aware that due to the account being closed the money was being sent back to cash app, I should see it back in my account within a few days. 7 weeks later money still isnt in my cash app account Ive reached out 4 times to Cash App after working with bank. 

First Attempt I was given a case # and told someone from investigating team would be reaching out Second Attempt was about a week after 1st attempt was told no update at this time would reach out to me when they had one Third Attempt was about 2 weeks after 2nd attempt I was told no update but my case had been prioritized they would be reaching out soon Fourth Attempt was 4 week after 3rd attempt I was told that my claim had been denied and they do not reopen denied cases so I asked what happen to the money when the bank sent It back their response was I have no new info to provide Customer server has been little to no help and now its starting to feel like Im not going to see that money
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I told XXXX XXXX that I was pre approved and not to run my credit. The person proceeded to run it anyway unbeknownst to me. I then filed a complaint only to be told that this company would not remove the inquiry.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 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 card or prepaid card

see : COMPLAINT ID XXXX You closed inquiry because they sent a bunch of useless paperwork that does not support any charge on the statement.
Product: Credit card

I've made 2 payments on my USAA credit card, one payment on XX/XX/XXXX for {$330.00} and another payment on XX/XX/XXXX for {$150.00}. These were electronic payments from my XXXX XXXX XXXX XXXX XXXX XXXX  checking account. I have used the same XXXX checking account for the last 11 years to make my payments timely. I opened my USAA credit card account over 11 years ago and have never had a payment hold placed until XX/XX/XXXX. 

USAA Bank, placed an hold on both of the payments as indicated above and refused to remove the holds for over 15 days after the payment cleared my account at XXXX. The payment hold on the second payment for {$150.00} is still in place as of today. 

Also, I never received notices from USAA to notify me of the holds or the reason for the holds. I identified the holds and called USAA to find out why the holds were placed.
Product: Mortgage

We've had issues with Rocket Mortgage ever since the loan originated and our family of XXXX plus pets were XXXX for 10 days. 

I lost my job in XX/XX/2022. I was slated to collect unemployment. Since losing my job, I have called numerous times to Rocket Mortgage to explain my situation and to try to get on a forbearance. I have sent, faxed, scanned, and took pictures of paperwork to send into them to get approved for the forbearance. For the longest time every time I'd call in they would say they needed my medical forms from my doctor for my sickness? which I would have to explain each time, this is due to me losing my job in XXXX, not because I'm sick. Rigamarole. 
XX/XX/XXXX ( I believe ) I spoke with a XXXX or XXXX, and she advised me that a partial claim has been approved and the next payment will be due XX/XX/XXXX. She explained this is a trial period, it is scheduled, modification packet is coming in the mail ; we would still get collection calls but not be reported to Credit Bureaus. Okay, so I assumed this was the forbearance we have been requesting and it's gone through. That is incorrect. 
We've been reported to the credit bureaus, and I contacted Rocket Mortgage yet again to go over our mortgage. I spoke with XXXX on the Account Resolution team and told him what was going on. He says we were never approved for the forbearance. We were put on hardship resolution so our payments were reconfigured. I asked why? He said because they never received all the paperwork for the forbearance. I said but I sent in everything? He said yes he sees all the paperwork received. I said then why was it declined? It wasn't declined, it was never processed. Why? because they didn't get all the paperwork. But I sent in all the paperwork- yes you did. So then I asked to speak to a supervisor and left a message for XXXX XXXX. I have yet to get a callback. I really feel like they are not handling our loan correctly.
Product: Credit reporting or other personal consumer reports

I attended a event in XX/XX/2021, and my purse was stolen that include XXXX XXXXXXXX XXXX my personal information. Police on the premises were notified and a report was made. I obtained a copy of my credit profile a seen a series of accounts that I have no affiliation with or knowledge of. Furnishing these accounts and information to my profile without my permission or written consent is in violation of FCRA 15 USC 1681, & further violates FCRA by furnishing information due to identity theft. I've contacted the CRAs ( XXXX, XXXX, and Transunion ) in attempt to resolve this matter and I've had no luck. This information reporting on my profile is preventing me from gaining any lines of credit. 
I've never opened or applied for these 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
Product: Credit card

I have consistently made timely payments on this account and have never allowed them to become overdue. I'm confused about why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

I am paying off my mortgage and am having difficulty with the mortgage company doing this. I sent them a cashiers check on Saturday XX/XX/XXXX. The check cleared my checking account on XX/XX/XXXX. I called the mortgage company Quicken Loans today XX/XX/20 and they claim they have not received the check and want a tracking number on the check. This should have been credited to my account by now. I want the deed to my property and this transaction completed so that I can own my condo. They are delaying the process. Can you please contact them and make them do this. They are not acting in good faith.Thank you.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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
Product: Checking or savings account

I deposited money inside the bank never went or touch the ATM. But they said I withdraw {$800.00} in which I never had {$800.00} at the time. I deposited {$400.00} inside with the teller.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Experian, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/year> I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with Experian, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Product: Mortgage

My Mortgage was recently bought by Midland from XXXX XXXX XXXX XXXX .When I was with XXXX  I applied and was accepted to the HAF or Homeowners Assistant fund .As I was in forbearance due to covid and losing mine and my wife jobs. The state of Florida Department  XXXX XXXX XXXX the payments directly to the holder of the mortgage what was first XXXX and then now Midland I was awarded 18 future of mortgage payments that started in XX/XX/XXXX till XX/XX/XXXX at 3 payments to XXXX and carried over to Midland on XX/XX/XXXX till stopping XX/XX/XXXX .And I was notified in late XXXX the XXXX XXXX by Mail I was behind on payment and need to submit payment of XXXX XXXX call Midland to report the mistake and get a different answer or deliberately put on eternal hold or hung up on.A few times they will look into it or its been completed my HAF  is over. And just ask for payment .I even gave what I could till resolved they said I had Unapplied funds {$290.00} in my account and I made a payment of {$500.00} on XX/XX/XXXX to pay XXXX Missing payment that they reported to me never received from HAF. XXXXXXXX XXXX went missing as well and warning me late on XX/XX/XXXX and in default .They received XXXX payment from Haf but put it on XXXX making me late for XXXX And Midland said they would open up a inquiry to what happened to my HAF  funds that the state verifide to me by phone twice that the And Midland said never received.They even told me my Haf  has ended All payments have been sent to Midland by The Florida XXXX HAF  Funds and I should still be current. Using only 5 Payments accounted for of 18 payments awarded 3 payments applied to XXXX and 2 Payments applied to Midland and 2 payments missing by Midland .Reported as sent by the state for HAF  to Midland .The state has opened a Inquiry and have not heard back but they only opened it for one payment and will do the 2nd payment once any receivement date has passed. I ask Midland to stop putting me in default remove bad credit reporting and till the inquiries to missing funds and or 2 payments have been returned and applied.
Product: Student loan

I am having major issues making payments. My first payment was due on the XXXX of XXXX and when I made the payment, it pended for 5 days before being reversed and I was told my bank account could not be found. So, I deleted the bank account I had on file and reentered it diligently and remade the payment after XXXX first and was past due. I do not have the dates for this since and MOHELA does not keep record of payments that have been reversed. So after I reentered my bank account info I made 2 separate payments on XX/XX/XXXX. One for {$58.00} and one for {$25.00}. I then a few days later received a message saying my payments were reversed and I was still past due. I checked again this morning and now my account is saying those payments were accepted however nothing has pulled from my account and the notes of the reversal are gone. This company has terrible customer service and I can not get ahold of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed money to a credit card company called Barclays Bank in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE BARCLAYS BANK AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
Product: Mortgage

I got hurt from XXXX XXXX big time I couldn't pay my mortgage. 
Last XX/XX/2023 I did a modification with the mortgage company ( SPS-Select Portfolio Servicing Inc. ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ) Phone Number XXXX Till now they have kept asking me for the same documentation for more than six months My pay stubs Bank statements Taxes Date of hiring and more and more documentation like Military leave and I never served in the army!!!!! 
I sent everything and they are still asking me for the same documentation I have all the letters I got from them and they are threatening me with foreclosure I am living in my house for more than 21 years I have a XXXX job plus XXXX other jobs ( XXXX ) I make enough money to cover my monthly mortgage but the mortgage company they want to build up my monthly payment for some reason Even the HUD agent she is wondering I got everything and she has all my documentation, I can fax or send everything to you and the hud phone number I really don't know what I can do Please, we need your help Thank you
Product: Money transfer, virtual currency, or money service

I have filed multiple disputes regarding transactions on my Cash App account, but they have not been resolved. Cash App has not taken accountability for the missing funds. I can provide evidence demonstrating a pattern of unresolved disputes on their platform. Their negligence has caused me significant pain and suffering. I have documented how Cash App has handled these disputes, and I plan to submit this documentation along with emails that show their neglect in protecting my account.

Banking and Consumer Protection Acts : Banking Act Regulation of Banks : Establishes the framework for the regulation and supervision of banks to ensure their safety and soundness.

Consumer Protection : Includes provisions to protect consumers from unfair banking practices. 
XXXX XXXX : Provides insurance for deposits to protect consumers in case of bank failures. 

Consumer Protection Act Unfair Practices : Prohibits unfair, deceptive, or abusive acts or practices in consumer finance.

Consumer Rights : Ensures consumers have the right to receive clear and accurate information about financial products and services. 
Complaint Handling : Establishes procedures for handling consumer complaints and disputes.
Product: Checking or savings account

Capital one has failed to keep our accounts safe. Today since XXXX i have checked my account time after time for my direct deposit and still no money. Capital one has claimed that there is no timeline to when this issue will be resolved. This is unacceptable, O myself am a single mom living paycheck to paycheck with bills to pay. I cant believe that something like this has happened and its XXXX EST and its still hasnt been resolved.