23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. Experian responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.
Product: Money transfer, virtual currency, or money service

This is an append to my previous complaint : XXXX - I am not satisfied with their poor answer and unprofessionalism to avoid all the problems that i have already raised around the issue. 
The HSBC financial institution didnt respond to all my concerns and the horrible customer service i have met along this journey. 
Here are a summary of why i am submitting new complaint : 1. The poor service of their customer services on phone and through the online chat 2. The ticket that i opened to get guidance on my issue, and no one did provide the feedback 3. The call of the manager that i did not receive as confirmed with the agent on call 4. During the process of investigation, i sent more than one email to someone called XXXX. She was sending template emails without answering my concerns. I need to escalate his unprofessional behaviour of using template avoiding to take time to reply in a customized response to my concerns. 
5. The wire transfer didnt work before and they are not even aware of this issue in their response. They confirmed the contrarily 6. The time, efforts and money that i lost because of the above poor performance client service Please i need to re-escalate this complain to re-investigate again these pending issues
Product: Debt collection

I noticed a debt listed as a hospital bill for {$360.00} on my credit report. I contacted the company listed as owning the debt, to dispute it, as I knew the debt did not belong to me. The company listed as debt owner was  Mitchell D. Bluhm & Associates  -  XXXX   XXXX . The date of the account being opened was  XXXX / XXXX /   2016. I kno w for a fact, that I did not receive the services being billed.  Mitchell D. Bluhm informed me that if I made a full payment, the debt would be cl osed and deleted from my report. Due to me not owing the debt to begin with I refused to make a payment.  Mitchell D. Bluhm & Associates  is violating the Fair Credit Reporting Act, by continuing to report a debt on my report, after being informed that the alleged debt is in dispute, I feel that the company is attempting to extort, money from me that I do not owe.
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 protested consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX Account name XXXXXXXX XXXX XXXX account # XXXX Account name XXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681c. Section 602 A. I Have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting Agncy can not furnish a account without my written instructions 15 U.S.C 1681c 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 then records of conversation of crime which antedate the report by more than seven years 15U.S.C 1681s-2 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: Debt collection

I have submitted a request on XX/XX/XXXX asking for Ally to cease all contact with me via certified mail. I have being receiving letters from Ally repeatedly. I was told by Ally Financial Executive Customers Relation employee that all communication will cease as of XX/XX/XXXX. As of date they are sending letters. I have asked Ally to delete the derogatory information on all credit bureaus because they have re-aged and changed the account number in order to prolong keeping it on my credit. I dont understand how they can be allowed to harrass and get away with such illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts showing incorrectly on my credit report I had nothing to do with, I am a victim of identity theft, and this complaint is not made in error
Product: Mortgage

The Attorney General of MA contacted me because I was identified of being a victim of XXXX XXXX illegal dealings w/ refinanced. As a settlement, they were required to refinance me and reduce my principal a significant amount ( up to 80 % of the value of my home ) $ XXXX {>= $1,000,000}. I was very ill, hospitalized, XXXX surgeries and constant XXXX XXXX. I was given extra time to finish my paper work. When I finished and submitted my application, they did what was done to me twice before. They increase the principal of the loan by the amount of missed payment. ( the loan stayed stable and was not reduced AS IF a payment was made. ). Due to my illness ( I filed hardship as well ) my income was lower for about 2-3 years. They added {$140000.00} to my principal and applied the DTI to  the new principal. So, I end up with a mortgage much more than I initially borrowed. Modification is not the reality. XXXX XXXX and another mortgage company before that use this to increase their loan amounts, thus larger loans with more interest. How is this relief? 
They did not take into consideration that my numbers reflected a period of illness to which I wrote a hardship request. 

What do I do now? They rejected my application, did not make any effort to comply to their settlement with the AG. 

I feel helpless because they keep saying that this is the way they do modifications. 
I feel I was tricked. And no one at XXXX XXXX wants to question this unethical business practice. 

I am also now XXXX, still working and I have a XXXX adult daughter living with me. 

What can I do? 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, 15 U.S. Code $ 1692c
Product: Bank account or service

I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made.
Product: Debt collection

Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent off three letters to the credit bureaus, one to transunion, one to XXXX, and one to XXXX by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and transunion, XXXX received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.
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 ( XXXX ), 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 Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I paid for services that I have never received. I reached out to the merchant and they told me that they will give me my money back. They never did. I have proof of the merchant tell me that they would send me my money. I hope you could help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not delete account paid off
Product: Mortgage

We purchased our home inXX/XX/XXXX. Our mortgage was with XXXX XXXX XXXX but, it was sold to Select Portfolio Servicing. Due to the housing crash inXX/XX/XXXX as well as a poor economy we have struggled with the mortgage payments since the beginning. We own our own business. Shortly after Select Portfolio Servicing purchased the mortgage from XX/XX/XXXX we tried a modification. The process was a complete disaster. After 6 months of sending the same information to Select Portfolio ( ex : I would send what was requested, I would be told they had everything for their underwriting dept, I would check back a week later only to find out something else was needed. After 90 days I had to send a new packet and the process started all over again ) we finally gave up on the first modification and have tried to keep up with the payments. Unfortunately, we were not able to make our payment inXX/XX/XXXX. We have missed 3 payments ( we were able to make a payment last month - I was told this would keep us out of foreclosure status ).

The second loan modification was started XX/XX/XXXX. I contact SPS about every 10 to 14 days and every time I contact them there is " something else needed ''. I verify with the representative that what is needed is all that is needed and their response is " yes ''. The last time I called I was told the bank statements I sent over at their previous request did not have the deposits circled and they could not tell what deposit to look at. These bank statements had 1 deposit on each of them! and this was the deposit information they were needing. When this modification was started I was told by SPS that they had improved their modification process and had been very successful at helping their clients.

We were provided with a direct contact for each modification. It was the same woman. I don't believe she exists. We have never spoken to her. She is never there. The last time I called I asked to speak to someone in underwriting and I was told that the underwriting department does not have telephones. I was not allowed to speak to anyone in underwriting. We don't have a loan officer to speak with. Every time we call we get someone in a call center.

We have requested a modification. If this is not possible then, allowing us to put some of the mortgage payments we are behind on at the back end of the loan could be an option.

I don't believe SPS has any intention or providing a modification or a payment arrangement for us. We understand we are at their mercy. What I don't like is their misrepresentation of the modification process and how we are being treated.

We have tried selling our home in order to get out of the mortgage debt but have had no luck. Our home has been up for sale and is currently up for sale in the hopes that we can sell it before we are foreclosed on. We do want to keep our home however, if we can sell it and payoff the mortgage then both SPS and us are successful.
Product: Debt collection

this was identity theft and they are charging me an an amount that I have no knowledge about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX. Any information to prove that I authorized these companies to pull my credit report. However, I never received anything and XXXX XXXX  is located in XXXX XXXX, LA where I aside and they said it was done online which I never did and they did provide dates.
Product: Debt collection

I was on a month to month and was unaware of a balance building because my service was shut off. I did not receive anything from the original creditor stating I had this balance or that I had a right to dispute it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXX
Product: Credit reporting or other personal consumer reports

According to the fcra it is a violation and against fcra regulations on the XXXX XXXX account on my credit report that is showing delinquent not the one that is paid off. They have late payments that are listed and XXXX payments and both of these are inaccurate according to my records and therefore must be taken down immediately. They keep leaving it up and saying it's verified because I have been trying to get it taken down so they do the simple easy fix which is Click verified and Let It Go when they are harming my credit by doing so and it is against the law and XXXX and XXXX have both been sued for this kind of stuff and it needs to be not taking lightly on this. TransUnion also needs to remove it for the same reasons they also show a higher balance than the card was ever initiated for. It is closed account but shows it's in collection which is also illegal and it has been paid off by the insurance and yet they're trying to collect more which is another violation and illegal.
Product: Credit card or prepaid card

I recently had to sign up for unemployment, unfortunately the money was loaded onto a 10 year old reliacard  that I no longer have. Upon realizing this I attempted to have a a new card issued. On XX/XX/2020 I called the reliacard  customer service department where I waited on hold for almost 4 hours only for the line to disconnect. I decided to try again this morning XX/XX/2020 at XXXX. Each time after waiting on hold for 2 hours the line would disconnect. This happened SEVERAL times. While I do understand that in the time of this terrible pandemic things are behind & wait times are long, this company could at least do customers the decency of not just disconnecting calls after having people on hold for hours. I still have no resolution for my card nor can I access my unemployment money so I can pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION did not do a proper " investigation '' according to the FCRA. 
XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
TRANSUNION Did not do this. 
Also transunion has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
Transunion stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2021.

Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Transunion on the account XXXX XXXX XXXX  the dates OPENED are reporting differently on my most updated report that was sent to me by Transunion after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Transunion informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
My right as a consumer have been violated Based on the following laws : 15 USC 6802 ( b ) 15 USC 1666 ( b ) 15 USC 1681 Sec 602 ( a ) - I have a right to privacy Please update all payments on the account to on time.
Product: Debt collection

I have settled all my debts with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, AND XXXX after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They E_oscar the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are ILLEGALLY reporting income. According to 15 USC 1681 ( b ) INCOME IS NOT REPORTABLE!! 

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title 26 1.6050P-1 12 C.F.R. 1.61-12 I have sent them this information in disputes to no Avail!!! 15 USC 1681n Liability for noncompliance.

These companies are securitizing peoples data. SEC I will be filing a 211 report if this isnt fixed immediately
Product: Money transfer, virtual currency, or money service

I already had put in a claim with the XXXX  and Cashapp had promised me dispute. My card was taken XX/XX/XXXX, after I lost it at XXXX XXXX on XXXX XXXX in XXXX, nj. The company only returned {$20.00} out of {$85.00} that was used on an unknown site ( they wouldnt tell me what site, XXXX  you search the site nothing comes up ). When I talked to a live representative they told me to file the other disputes, in which after I did so. The company shut down my cards and bank account with XXXX regard of customer care or return of my funds. After, I did what they demanded. They refuse to cooperate with the XXXX  claim and they lied about their resolution of the situation. I have screenshots and emails from the company telling me to request the dispute for my money/ the return of only {$20.00}. This isnt the first time cashapp has done this. In about XXXX or XX/XX/2023, I had an incident with them after I showed hard evidence of my account being breached for over {$200.00}. They didnt do anything but tell me to call XXXX instead. XXXX then ordered me to request the refund through their company and they denied again. I just want my other {$60.00} back and I will then gladly never use their services again. Ive been a consumer on their app for many many years now. Im convinced cashapp is sided with the criminals and thieves of this country. Im not the first to go through this and they treat all of us the same. Robbery and scamming is very intolerant. Thank You.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my CashApp account was closed without warning. Ive been reaching out to the company to try to resolve this issue however, every time I access their customer service number, Im told they can not discuss the account with me and I have to contact them through the customer support chat. When I try to contact someone through their customer service chat they tell me they can not help me and I have to wait on an email from CashApp to resolve. Ive been checking my email account and have not had any communication with CashApp about my account since they closed it unexpectedly. I get this same message each time I reach out for help with my account : You will be receiving your update via email. The response times for our specialty teams may vary on the volume of support requests at that time. I'm unable to confirm any concrete time frame, but I assure you that our team will be in touch with you as soon as they have an update on your case.