23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX through no fault of the " Mortgage Solution '' we received a notice from the mortgage Co, that our escrow was short. Unfortunately our city property taxes, went up from XXXX to XXXX. So I went to my city to figure out what was going on. I was informed that I had not filed my exemptions in 3 years and was getting money back for all three years. 

My problem is that after I went to XXXX Courthouse, on the check back for 2017, they told me to send the 'overpayment ' amount to the mortgage co , and they would then adjust my amount due. I did that on XX/XX/XXXX. On XX/XX/XXXX, my mortgage was still over XXXX. So I called them and was told, that the county letter of 'overpayment ' was not enough from them. They would need direct info from XXXX. Then in XX/XX/XXXX I sent in XXXX to mortgage co. towards my tax escrow. They told me, because of the shortage that would not be enough to go down on my mortgage. Everytime I talk to someone there, I'm getting another lie. We can not afford to keep paying this amount, and since XX/XX/XXXX, they've locked me out of my online acct. Why!!!!! We've not been late.
Product: Mortgage

1. Community/Bayview send screenshot that shows your electronic records indicating the date and time that the default letter was scanned into your system.

2. send screenshot that shows your electronic records indicating that the date and time you sent the offer letter for a Loan Modification.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681-B : permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of the account listed IMMEDIATELY : XXXX XXXX XXXX I demand the deletion of these unauthorized inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of the following incorrect information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Last year in XXXX I deposited XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX and the machine malfunctioned and didn't credit my account. I went in the following day and walked into the bank and talked to a staff member who was no help and just told me to call the number. I did and the gentleman who helped me credited my account the XXXX. DAYS later it was taken away and they said I only deposited XXXX dollars and took away XXXX of my money. Then they closed my account and keep hounding me for a debt that they caused. They never gave me the security footage that I asked for as proof and basically blew me off afterwards. Feels like I was discriminated against because of the color of my skin.
Product: Debt collection

The auto loan was charged off in XX/XX/XXXX. They then sold the debt to a collection company and that company is still reporting the balance as a 30 day term account instead of a collection account. Due to them reporting the account that way the account will never be removed from credit report. I disputed and got no where. I then contacted the company directly and was told if I settled the debt with them that they would remove from my credit report. This will have been reported on my credit report for 7 years since last activity on XX/XX/XXXX which, if I am not mistaken, means it should be removed under the FCRA. I find this very disturbing and unsettling. The name of the company is XXXX XXXX XXXX  XXXX. The original debt was to XXXX XXXX XXXX XXXX.
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 deceptive 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 I seek appropriate redress for these violations
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I contacted the 3 credit bureaus to dispute the XXXX XXXX item on my credit reports. The loan was in in the amount of {$270.00}, however I never applied or received a loan from XXXX XXXX. The information on my credit report incorrect. I contacted AD ASTRA RECOVERY SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX on XX/XX/XXXX to inform them that I never taken a loan out with XXXX XXXX and I need this item removed from my credit report but the have not resolved the issue or removed it from my credit report. The account # is XXXX the loan date : XX/XX/XXXX. I am requesting that your office investigate this issue on my behalf. Also, XXXX XXXX was not licensed in the Mississippi in XX/XX/XXXX, therefore any loans issued in my name on XX/XX/XXXX was illegal. I can be contacted via mail : XXXX XXXX XXXX, # XXXX, XXXX, VA XXXX
Product: Checking or savings account

I was looking into starting a transport business and leasing on to someones authority and ran across a guy who said he could help me out. Called the fmsca to get details and help to point me into the right direction on how to do things the right way. I was told that it was between me and the business to make a agreement on how to lease on. The guy ( XXXX XXXX ) as known on XXXX said to send him a payment of XXXX for a deposit for insurance witch was made on XX/XX/XXXX and another XXXX on XX/XX/XXXX to get the XXXX relay permits for hauling for them. He said that XXXX XXXX would do fine with sending the payment. Turns out after I sent the second payment I happen to do a quick XXXX search of his name and all kinds of bad news pops up with him scamming everyone the same way. I quickly call chase and let them know what happened exactly how Im explaining it now and said I have all documentation to support this incident on XX/XX/XXXX. I was told my account would be credited in 12 hours. Yesterday XX/XX/XXXX I received an email saying they denied the dispute. I called chase today XX/XX/XXXX and was told their is nothing that can be done because peer to peer payments isnt covered by regulation E and it was law not just chase. When other people recently who got scammed by the same guy under posts said they got they money back via their bank. I never disputed anything and now that the one time I get scammed they tell me there is nothing they can do it about it. Ive banked with them for years. Im very upset. I also reached out to XXXX XXXX  because thats what chase told me to do and they arent giving any money back either and I do not expect because that money came directly from my account. Even spoke with a supervisor, same answer. This is why people dont trust banks. And to top that they didnt even dispute both payments only one for XXXX
Product: Debt collection

This was a debt that was long ago paid for and attached to my credit that I barely found out about. Was told to connect through CFPB to help get it off.
Product: Student loan

XXXX XXXX attended University XXXX XXXX, XXXX, concurrent with his dad XXXX XXXX loosing his job, consequently, a Sallie Mae loan was applied for and XXXX XXXX ( dad ) was co-signer. During XXXX 's last year of college he started have XXXX XXXX and because they became worse his job prospects became limited. Consequently, XXXX XXXX made the payments to Sallie Mae for the next 4 years, on time. Now XXXX XXXX is retiring and wants to be released as co signer, which is allowed after 12 months of regular payments. 
XXXX, whose job prospects are limited has just been laid off of his most recent job and can not make payments to Sallie Mae and both XXXX and XXXX are getting calls and threatening letters about credit scores! XXXX is considered XXXX and has not been able to hold a job long enough when employers find out he has XXXX, they find a way to lay him off, so we want the signer of the loan ( XXXX ) released or payments substantially reduced but Sallie Mae has refused to talk to us and and has been rude and threatening even on the phone. We need help and need Sallie Mae to provide us this service they publish in the event people experience what we have unfortunately experienced. Thank You.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Department of education, for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each XXXX was initially sent to all companies on XX/XX/2024
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and noticed that XXXX, Equifax, and XXXX are reporting inaccurate information on my credit report. I do not recall doing any business with any of these companies ( XXXX XXXX XXXX Account XXXX XXXX XXXX for {$370.00} and XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX for {$160.00} ). I also want all the addresses below deleted as I no longer live there, and some of these I do not recognize. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WY XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NC XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 


XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00}
Product: Bank account or service

PayPal Credit keeps using my credit report and credit score from XXXX XXXX, 2016, instead of XXXX XXXX, 2016, XXXX. PayPal refused to secure this recent credit report which reflects a credit score of XXXX with no negatives except credit inquiries. My XXXX Credit File is very good. There were items that did not belong in XXXX, 2016, and has now been deleted and corrected. 
PayPal refuses to secure my most recent credit report. Also employees of PayPal have lied on XXXX stating that XXXX keeps sending in XXXX 2016, when PayPal Credit has not even contacted XXXX for a updated report. 
This is very unfair to me and does not allow me to extend my credit at the point of sale. My history with PayPal Credit is excellent. I never pay interest because I have always paid out my account within 30 days of purchase. 
I do not have " a serous delinquency in your credit file. '' I do not have " high on bank revolving or other revolving accounts in your credit file '' I do not have " the amount past due on accounts in your credit file is too high '' I do not have a credit score XXXX I do not have " serious delinquency. '' I do not have " Porportions of balances to credit limits is too high on bank revolving ... '' I do not have Amount past due on accounts '' There is a problem here that needs to be addressed.
Product: Credit card or prepaid card

I am a customer with Apple Card, the consumer credit card backed by Goldman Sachs. I purchased a XXXX XXXX with the card at the XXXX XXXX on XX/XX/XXXX and after the purchase posted, I paid it off, totaling {$740.00} before tax. I ended up canceling said order shortly after I paid it off as I intended to purchase the product at another retailer that I had a gift card for. The cancellation went through with no issue, and my Apple Card ended up have a POSITIVE balance of {$700.00}, meaning Goldman Sachs " owed '' me that money, as it was paid to them from my XXXX checking account. After I made a {$5.00} purchase with my card ( unimportant to the case ), my card ended up with ( and currently has ) a positive balance of {$700.00}. I contacted Apple Card customer support on XX/XX/XXXX, and requested for my positive balance to be transferred back into my bank account, which is something that other cards have done for me in the past. The representative told me that the transfer was initiated and it would take 1-2 business days to reflect on my balance on the app. Three days later, I did not see any change on my account so I called again on the evening of XX/XX/XXXX. This time, the representative told me that systematically the transfer was not possible and, through her rather rude demeanor and negative customer service, left me hanging. I called back 30 minutes later, and that representative told me that it WAS indeed possible and for some reason the initial transfer was cancelled ... she initiated a new one. Five days later, no change. I called again on XX/XX/XXXX, this time asking for a supervisor. After experiencing some of the worst customer service of my life with the supervisor, I was again turned down and told that it wasn't possible. I called today, XX/XX/XXXX, this time asking for the " Specialty Department '' XXXX which I was told to ask for by the previous supervisor ), and ended up speaking to a very helpful representative who acted as a liaison between me and her supervisor. I was told that there is nothing I that can be done because of a current outstanding installment balance ( a 24 interest-free installment for an XXXX XXXX and they are currently working on a system to fix issues like mine, but did not have a timeline on when the system would be change OR if said change would allow a transfer of the money back into my bank account. The XXXX installment currently has an outstanding balance of {$810.00}, but is a two year installment and not necessarily " connected '' to my everyday purchase balance. I was sent a letter from Apple Card of my outstanding balance, which is {$110.00} XXXX which is my installment balance minus my positive everyday balance ... XXXX - XXXX = XXXX ). Goldman Sachs has been no help to me, and has given me two difference answers, two different times. If we weren't in a pandemic where the money is important to me and I need it, or if the whole situation didn't have to do with hundreds of dollars and my credit report, I would not even be making this claim. Frustration is the best word for this who situation.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my consumer rights! They are reporting a XXXX XXXXXXXX Bankruptcy stating my spouse filed it. I have never been married and they have shared this inaccurate information with the credit bureaus XXXX and Experian. They are not reporting factual and accurate information. I have disputed this information with them several times and they are stating PACER is reporting it accurate. I contacted PACER and they do not have a file that says spouse filed anything. I have asked them to remove this information and they have not. They are in violation of METROXXXX reporting requisites per the XXXX  as well as the FRCA, and thus damaging my credit. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and maximum " possible '' completeness 's, which extends to the reporting mandates that there be no deviation from METROXXXX Format Compliance since, per the XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in my consumer reports that they have prepared for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a federally protected consumer have attached the notice that I have sent XXXX XXXX credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. XXXX XXXX has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.
Product: Mortgage

XXXX documents attached as proof of CFPB enforcement action against Wells Fargo persons foreclosed upon and harmed.
Product: Checking or savings account

On XX/XX/year>, BOA sent me the email which said they deleted my zelle account. At the same time my online banking access was blocked. I called BOA and they told me they will close my account for fraud risk and send my money to me by check. I updated my address through phone with customer service on XX/XX/year>, and the bank sent the check on XX/XX/year>. But the bank still sent the check to my last address. I can not get the check so I asked BOA to issue another check but the bank said I must wait up to 120 days until the check expired. I still can not get my money now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I contacted Experian to temporarily lift the security freeze on my credit data. I had put a freeze on my data after the XXXX  data breach. After I answered all of Experians questions correctly, I then received an automated message that I would have to send a letter along with a ridiculous number of personal documents to lift the security freeze. Also, when the creditor did the check on me, Experian told them there was a freeze due to legislation. Experian does not have any customer service options of any kind other than a letter. How is this legal when they are making money off of safeguarding MY data? This is unacceptable. A 2-3 week ( per their recorded message ) turnaround is not reasonable for simple requests of this nature that are time sensitive.
Product: Checking or savings account

The amount was {$760.00} on XX/XX/2020 ... .I am a customer who recently open up a checking and savings account with my stimulus check my account is overdraft and on hold through your bank from a merchant ... this action seemed to be wrong because the bank did not inform me prior to putting ahold on my checking account ( even though they don't have to ) ... it was my stimulus check ... I opened up my account in California but the creditors were in Virginia ... I feel that there should have been some support for me for being a new customer and it being my stimulus check protected by the government
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am currently in the process of buying another vehicle and of course, car dealerships have to run my credit report. Upon them running my report, each individual dealership has come back and all said the same thing that the charged off account for XXXX XXXX  is causing the barrier in my consumer transaction to be approved and completed. I have disputed this account previously with the credit bureau, the company directly as well as the CFPB to no avail which violates 12 CFR 1022.43. The balance has been reporting inaccurate for over a year Which is a blatant violation of the Fair Credit Reporting Act found at 15 United States code 1681 as it has not been reported accurately repeatedly. The current reporting balance that was recently furnished to all 3 major credit reporting agencies is/was {$27000.00}. The actual and current balance is {$24000.00}. The company has not made any previous good faith effort to correct the reporting or deleted after the previous disputes and are willfully and knowingly violating the FCRA. This makes them criminally liable Pursuant to 15 USC 1611 and civilly liable under 15 USC 1640
Product: Debt collection

there's an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing for a while now. Kindly remove the following : XXXX XXXX date opened XX/XX/scrub> 2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX XXXX XXXX : # XXXX Have violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) years.

15 USC 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.