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

I had a mortgage with XXXX XXXX since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess XXXX XXXX didn't Express to them that I still have the deferral amount which was the second mortgage and HAF Grant XXXX, would have paid that. XXXX XXXX XXXX said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to TransUnion. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a transunion and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.
Product: Credit reporting, credit repair services, or other personal consumer reports

company has not responded to dispute of misleading and inaccurate reporting as we have now past 30 days
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I made a request to Citizens Bank in late XX/XX/XXXX to have my Escrow account ( insurance & taxes ) removed from my mortgage account. And i paid the application fee for the removal of entire escrow account. However, i only saw my insurance account has been removed. I called the customer services 3 times since XX/XX/XXXX and this issue has not been resolved. And now they asked to pay another {$480.00} to remove the property tax from my Escrow account. The whole process is very confusing and frustrating.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach I have documentation that Equifax admits that I was in fact the victim of this data breach I would like my information deleted from my credit report effective immediately due to this breach of my data by Equifax and all other credit reports due to this breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}
Product: Credit card

Chase calls me way too much. Like 8 or 9 times a day from XXXXXXXX XXXX XXXX XXXX XXXX. They'll use different numbers to bypass phone ID 's too. I've had some medical issues the last XXXX XXXX XXXX XXXX XXXX and these people just won't stop calling at all. Can I sue them for harassment?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft as a result of the XXXX data breach. Please immediately remove and block the following credit card account and ( XXXX ) inquiries listed : Credit Card Account : Digital EFCU account XXXX opened XX/XX/year> with a balance of {$9900.00} And the following ( XXXX ) inquiries : XXXX XXXX XXXX ( Mortgage Companies - Finance ) XXXX XXXXXXXX XXXX XXXX ( Mortgage Companies - Finance ) XXXXXXXX XXXX XXXX ( Mortgage Companies - Credit Union ) XXXX XXXX XXXX ( Mortgage Companies - Credit Union ) XXXXXXXX XXXX XXXX XXXX ( Bank Credit Cards ) XXXX XXXX XXXX ( Bank Credit Cards ) XXXXXXXX XXXX XXXXXXXX ( Bank Credit Cards ) XXXX Please remove and block the above information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX/XXXX/XXXX ,  XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I was shopping for plane tickets on XXXX. When I got to the payment page, a promotion for a XXXX American Express card came up and it said if I spend over {$2000.00} in the first 6 months, I would receive {$300.00} off my statement balance and XXXX mileage points. To obtain the promotion, I purchased a more expensive seat to XXXX to hit the {$2000.00} criteria. I never received the XXXX off nor the miles. I called American Express and they stated that I had already previously received a promotion on my platinum car, so I could not receive this promotion. I informed them that the promotion never stated that caveat in addition I hadn't received a promotional offer for my platinum card, I just had enrolled. She searched for my previous promotions received and could not find it. She said the system doesn't go back that far for her to check and that said she couldn't help me further. I entered a complaint with Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights in violation of the CFPA, FCRA, Privacy Act, Freedom Of Information Act, Privacy Act, and other applicable state and federal regulations or laws. Experians violations against came to coerce me for complaining and filing with the CFPB complaints about Experians many Violations against me.

- Experian is not willing to stop its retaliation against me and continues to discriminate against me and it blocks me from accessing my credit report.

- Experian is Trying now to force me to one side benefited arbitration to cause loose my rights including but not limited my right now to sue Experian at anytime without a notice but from a summon to be served most likely soon by a U. S Marshal to The defendant.

-Experian must understand that you can not destroy my credit in retaliation and walk away with your crime without legal punishment and a severe one.

I attached a snapshot from the new restricted to copy agreement of authoritarianism and slavery that Experian wanted badly to force me to enter and I reject it at its entirely and I dispute it.

If the CFPB will not investigate Experians violations and cheating against consumer rights then between us public opinion, media and courts.

All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights.

Thank you, The complainant
Product: Debt collection

On XX/XX/2018, I requested detailed debt validation to Portfolio from which I received no response. A second letter was sent but in the meantime, an attorney 's office mailed me a request for payment stating that Portfolio had contracted them to collect the alleged debt. A second letter has been submitted requesting once again very detailed information as stated by law for debt validation, so far without a response. All of my communication with Portfolio has been certified letter, so I do have concrete proof they are in receipt of my requested detailed information.
Product: Credit reporting or other personal consumer reports

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the company linked to these fraudulent accounts. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent accounts would be swiftly removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It is important to note that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these accounts when the other bureaus have already removed it. I urge you to remove these accounts from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom It Might Concern, Were contacting you AGAIN regarding the merger of our files and reports. We are still noticing that our names, accounts and personal information is still illegally merged and combined on each others reports. We have sent you letters requesting to dispute. We have called you on the phone and requested to dispute. We have mailed you letters in the mail requesting to dispute! We have mailed you copies of our Drivers License. We have mailed you copies of our Social Security Cards. We have included copies of our past and present credit reports to show the discrepancies. We have filed countless complaints on the CFPB website. However, you continue to ignore and disregard our requests, disputes and complaints. 

We previously disputed these incorrectly reporting personal information to each of you and it was never deleted, corrected, verified or investigated. It remains or it was deleted and added back without further verification taking place. We sent letters and complaints on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website and again today, XX/XX/XXXX CFPB website. We requested that you remove ALL incorrectly reporting information and send us new, updated, completed copies of our credit report. That has not happened to date! 

As of todays date, XX/XX/XXXX we have decided to proceed with legal action. We have contacted our attorney and requested that he file a monetary Tort complaint against you effective immediately for intentionally reporting inaccurate, incorrect, misleading, false information on my credit report. You have not sent any of the requested information. You have not sent us any investigation results. You have not sent us any letters or proof of validation. You have not sent us any signed contracts. At this point, we are overwhelmed, exhausted and simply mortified of your behavior. Laziness and inability to follow through on your job. 

The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to our requests within the original allotted 30 day timeframe. The added 15 day timeframe. The final 24 hour deadline. You have NOT verified any information listed regarding anything we have previously submitted to you. There are several discrepancies and we demanded that it was all deleted immediately. Attached, please find copies of the court case numbers, court dates and names of all parties involved in the lawsuit!
Product: Student loan

After the student loan repayment pause starting in XX/XX/XXXX, one or more of my contact information is out of date or does not match my name and account number in their Nelnet system anymore ( address and zip code, email address, etc. ). I can not recover username or password to go online to complete payments to them. I called them on multiple occasions and the holds are longer than 2 hours. I've never gotten a hold of anyone to help and just have to hang up because of the unusually long wait times ; the payments are being charged interest. They arent sending me paper bills to my address even though USPS is forwarding everything to my address no matter which of my old home addresses they have in the system. They also do not respond to tens of emails sent on my behalf even though they have sent emails to my account just the end of last year XXXX. I just want to pay my loans off in full and cant because of their bad internet system and incompetent customer relations.
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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. As a result of everything they closed entire account and I was no longer accessible to remaining balance.
Product: Mortgage

I purchased this property and had no issues initially. Then the lender started causing issues with my homeowners insurance. They cancelled not on, not two but three different policies. Each time failing to make the payments to keep the policy active. They then added a lender policy which is more than 3 times the cost of my other policies and provides ZERO persona property coverage. They have admitted to their errors, claimed they would fix it. Claimed they would not report me late to the credit bureaus or charge me late fees and they are doing both. As a result, my business lines of credit are being reduced and it is causing me financial hardship as I'm unable to work. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked XXXX, transunion or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success Thank you
Product: Checking or savings account

I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly thereafter, totaling an amount of {$8500.00}. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account in the amount of {$8400.00}, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds ( {$1500.00} ) back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through 6-7 different customer service representatives who all had different stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for them to send me a letter in the mail with a code. Now my account is completely locked and I can not access my money. I kept asking why this block was placed on my account and they stated they could not disclose that information even though I could provide my SSN, DOB, account number, card number, etc. every piece of information they could possibly need to verify my identity was provided and they still refused to unlock my account. At this point I just want my money refunded to the original account I made the deposit from.
Product: Debt collection

On XX/XX/2020 a debt collection of XXXX $ was reported on my credit report. I had never heard of the company and did not know of the debt. I was NEVER notified that someone was attempting to collect a debt. I was NEVER told that I even had a debt. I was NEVER notified and thus never given the chance to pay the debt before it went to collection. 
Therefore, when the collection showed up on my credit report I contacted the company with various questions. I explained that I did not have any knowledge of the debt and would like something verifying the debt was actually mine. I was told I would get something in the mail and I never received anything. I have no explanation of this debt and no proof it is actually something I am responsible for. The company lied about sending me information. I then tried to dispute the impact on my credit report and contacted the company. Again the company never sent me verification or anything I was promised in the mail, although they were given the correct address.
Product: Checking or savings account

On Friday, XX/XX/XXXX I was informed by Huntington that they were closing my account, as is their ability XXXX their terms and conditions. I was informed that my account was closed on thr XXXX of XXXX, and that they had sent a letter in XXXX. I never received notification via a letter or otherwise, so obviously this has me in a tough spot. I was informed that there would be no more transactions going through, as my account was now closed. When I went to the bank in an attempt to collect my balance, I was told there were 2 transactions that needed to process ( even though none were supposed to, because again, closed account ) and that they are unable to give me my money, even less the balance of those transactions that again, will be returned and will not process ) because the transactions are pending. It has been 6 days since I was informed my account is being closed, and the bank will not relinquish my money. Looking through my account in the past I can also see multiple instances of overdraft charges applied to my account despite having received notification of the account receiving their customary 24 hour grace, but fees being charged before the expiration of the 24 hour time frame. My balance is positive, and they owe me my momey.
Product: Credit reporting or other personal consumer reports

i sent letters to the CRAs, on XXXX about the inaccurate information they are reporting on my report.The child support is inaccurate and also illegal because they recently passed the law that child support should not be reporting on a consumer credit report. i am requesting that the information be delete from my credit report the case law is XXXX XXXX Trans Union LLC
Product: Bank account or service

XXXX First, Assistant VP of Bank of America at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Bank of America account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was referred to 360 Credit Consulting from a Mortgage lender. The credit company reached out to me and explained their services and I signed on with them in agreement that they would help me repair my credit. After 5 months of paying for credit repair nothing was completed on my file by 360 credit consulting. My credit score only increased because of me paying my bills on time or paying them off. I never received any phone calls or instruction from 360 credit consulting as promised. I paid the company {$500.00} for absolutely nothing.
Product: Credit reporting or other personal consumer reports

The Experian Credit Bureau has improperly used incorrect information to obtain information. That is a complete violation of my rights. They must get consent from me to inquire information. 

The addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX and None XXXX XXXX are inaccurate addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a an installment account with jc penney I made my first 2 pmts which were stopped by XXXX because of an old fraud hold which was not removed after the first stopped payment.The jc penney account was cancelled because of the SECOND STOP.As a result of XXXX direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
JCpenney requested i contact XXXX and clarify the situation but to no avail XXXX would not correct the matter